Your whole money life in one Google Sheet
A ready-made personal finance planner: monthly budget, bill calendar, debt payoff, net worth and savings goals. Log what you spend and every tab updates by itself. Built by an accountant.
Real screenshots of the template in Google Sheets, with its sample data.
A spreadsheet, not another budgeting app
No bank connections, no account to create with us and no monthly fee. You get a Google Sheets file that lives in your own Drive.
Buy once
Check out securely and get an email with your template link straight away.
Make a copy
Fill in Setup
Pick your start month and currency, add your accounts and list your regular income and bills.
Log every money move
Add income, expenses and transfers in Transactions. The budget, calendar, debt plan and net worth update on their own.
Eight tabs that work together
Everything reads from one Transactions tab and your Setup, so your budget, calendar, debts and net worth always agree.
Know what's left to spend this month
Pick a month and see planned vs actual for every category, how much is left and your savings rate.
- Left to spend, cash in and out, saved this month
- Spending by group and planned vs actual charts
- Light or dark theme, switched in Setup
Drag across the screenshot to compare the light and dark theme
One simple log for every money move
Date, description, type, category and account. Income, expenses and transfers between your own accounts.
- Dropdowns for type, category and account
- Loan and card payments as transfers, so debts go down
- Month summary in the sidebar
Every bill and payday on one calendar
Your regular income and bills appear on their dates. When a payment shows up in Transactions, it gets a tick.
- Planned in, planned out and net for the month
- See at a glance what's paid and what's coming
- Weekly, monthly, yearly and one-time items
See the date you'll be debt-free
Choose avalanche, snowball or your own order and add an extra amount each month. The planner shows the payoff date and the interest you save.
- Payoff month for every loan and card
- Interest with your plan vs minimum payments only
- Month-by-month schedule and chart
Watch your net worth grow
Assets minus debts, month by month, plus progress on your savings goals.
- Every account's balance by month
- Change this year and net worth chart
- Savings goals with progress bars
Drag across the screenshot to compare the light and dark theme
Your year at a glance
Income vs expenses by month, where your money went and how you're doing on a 50/30/20 split.
- Cash flow breakdown for every month
- Top expenses ranked automatically
- Needs, wants and savings vs 50/30/20
Small details that make it easy
Start tab
Set up in four steps, with a short guide to every tab.
Setup tab
Accounts, income, expenses and how often they happen. The planner spreads them across the year.
50/30/20 buckets
Group your categories into needs, wants and savings and compare with the rule.
Any currency
Set your currency symbol once in Setup.
Share with your partner
Use Google's Share button to plan your money together.
Private by design
No bank login. The file lives in your own Google Drive and only you decide who sees it.
All the planning, none of the subscription
Budgeting apps charge every month and ask for your bank login. Building your own sheet takes weekends. Personal Finance Planner sits in between.
| Personal Finance Planner Google Sheets template | Budgeting app | Blank spreadsheet | |
|---|---|---|---|
| Cost | $16 once | Monthly or yearly subscription | Free, plus your time |
| Bank login needed | No | Usually yes | No |
| Debt payoff and net worth | ✓ | Depends on the app | Only if you build it |
| Your data stays yours | ✓ In your Drive | Stored with the app | ✓ |
| Easy to customise | ✓ | Limited | ✓ |
"I'm an accountant, and I wanted one place to see my budget, my bills, my debts and my net worth without handing my bank login to an app. This is the planner I use."Sergio, founder of BizCells
One price. Yours forever.
Pay once and the planner is yours. No subscription, no upsells.
Personal Finance Planner
Google Sheets template by BizCells
- Google Sheets template with all 8 tabs, delivered instantly
- Light and dark theme
- Sample data to explore, cleared in one step
- Free updates, sent by email
- Email support from the accountant who built it
Secure checkout by Lemon Squeezy. Local VAT or sales tax is calculated at checkout.
Questions before you buy
Is this an app?
No. Personal Finance Planner is a Google Sheets file. You copy it into your own Google Drive and use it like any spreadsheet. There's nothing to install and no account to create with us.
Does it connect to my bank?
No. You type or paste your transactions, which takes a few minutes a week. Your bank login never leaves your hands.
Do I need to know formulas?
No. You fill in Setup and Transactions. Every other tab is calculated for you.
What do I need to use it?
A free Google account. It works in any browser and in the Google Sheets app on your phone.
Does it work in my country and currency?
Yes. You set your currency symbol in Setup, so it works anywhere.
Can I use it with my partner?
Yes. Share your copy with Google's Share button and you can both add transactions.
How is it different from Business Manager?
Personal Finance Planner is for your personal and household money: budget, bills, debts and net worth. Business Manager is for running a business: invoices, cash flow, profit & loss and tax reserve.
Take control of your money this month
Copy the planner, add your bills and transactions, and see what's left to spend, when you'll be debt-free and how your net worth grows.