Track expenses, account balances & net worth in Excel. No macros. Instant download, works with Excel 365/2021.

Excel Budget Template — Personal Finance & Expense Tracker

All-in-one Excel budget template to track expenses, account balances, and net worth—no macros. Auto monthly reports, transfer handling, clear dashboards.

What this Excel template does

• Monthly expense tracker (by category) — auto-expanding category list; Jan–Dec grid and yearly totals.
• Account balance tracker — closing balance per account by month, including transfers (From → To).
• Net worth tracker — assets vs. liabilities and total net worth chart.
• Zero-code Excel — no macros, just formulas and tables; protected calculations so you don’t break anything.

Why choose this over apps

• Own your data (Excel file on your device).
• Fast setup — add accounts & categories once, then log transactions.

What’s included

• Personal_Finance_Tracker.xlsx (Excel 365/2021)
• Built-in START_HERE instructions inside the file

How it works (3 steps)

1. SETTINGS: set Report Year & Currency; add Accounts (name, opening balance, type) and Categories.
2. TRANSACTIONS: log Date, FromAccount, (optional) ToAccount for transfers, Type (Income/Expense/Transfer), Category, Amount (your sign).
3. SUMMARY/DASHBOARD: see monthly expenses, account balances, and net worth update automatically.

Key features

• Excel budget spreadsheet for personal finance
• Expense tracker spreadsheet with category totals
• Account balance tracker by month
• Net worth tracker with monthly chart
• Transfer-aware (one row: From → To, positive amount)
• Protected formulas, no VBA/macros

Requirements

• Microsoft Excel 365 or 2021 (Windows/Mac). Desktop Excel recommended.