Personal Budget Planner Pro — Excel Template | Budget + Savings Goals + Debt + Net Worth

Complete personal finance system in Excel. Monthly budget planner, 7 savings goals with progress bars, debt payoff tracker, bill calendar, net worth and annual summary. Works in Excel & Google Sheets.

💰 PERSONAL BUDGET PLANNER PRO

Stop wondering where your money goes. This complete Excel 
system gives you full control of your personal finances — 
budget every pound or dollar, track your savings goals, 
pay off debt faster and grow your net worth.

Built on the proven 50/30/20 budgeting rule.
Works for any income, any currency, any country.

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📦 10 COMPLETE SHEETS INCLUDED
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📊 Dashboard
Your financial snapshot — monthly income, expenses, 
savings and savings rate in one view. All data pulls 
automatically from other sheets.

💰 Monthly Budget
The core of the system. Enter planned budgets and actual 
spending for 6 income sources and 12 expense categories. 
Net savings row shows planned vs actual instantly.

📈 Income Tracker
Record all income sources across all 12 months. Primary 
salary, side income, investments, benefits and other income. 
Annual totals and line chart auto-generate.

💸 Expense Tracker
Track 12 expense categories across all 12 months — 
Housing, Food, Transport, Health, Entertainment, Shopping, 
Education, Personal Care, Travel, Savings, Debt and Other. 
Annual totals and bar chart auto-generate.

🎯 Savings Goals (7 goals)
Add up to 7 savings goals with target amount, amount saved 
so far and monthly contribution. Remaining balance, months 
to completion and visual progress bar all calculate 
automatically.

💳 Debt Tracker
Track 4 debts with balance, interest rate and monthly 
payment. Months to payoff and interest estimate auto-
calculate. Includes avalanche vs snowball strategy guide.

📅 Bill Calendar
List all 15 recurring bills with due date, frequency and 
auto-pay status. Monthly bill total auto-sums. Never 
miss a payment or forget a subscription again.

📉 Net Worth Tracker
Track 8 assets and 5 liabilities. Net Worth = Total 
Assets minus Total Liabilities calculates automatically. 
Update monthly to watch your wealth grow.

📋 Annual Summary
12-month overview of income, expenses and savings rate 
across all categories. Includes comparison bar chart 
and annual averages.

📖 Instructions
Built-in guide with the 50/30/20 rule explained, debt 
payoff strategies, setup steps and budgeting tips.

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⚡ KEY FEATURES
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- 193 auto-calculating formulas — enter data, rest is automatic
- 7 savings goals with visual progress bars
- Savings rate auto-calculated every month
- Debt payoff months and interest calculated automatically  
- 15 bills calendar with auto-pay tracking
- Net worth = assets minus liabilities, always current
- Annual bar chart — income vs expenses across 12 months
- Works for any currency — change $ to £ € ¥ in seconds
- Based on the 50/30/20 budgeting rule
- Google Sheets compatible

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👤 PERFECT FOR
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- Anyone wanting to stop living paycheck to paycheck
- People saving for a house, car, holiday or wedding
- Anyone paying off credit card or student loan debt
- Couples managing a joint household budget
- Anyone switching from expensive apps like YNAB or Mint

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🖥️ COMPATIBILITY
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✓ Microsoft Excel 2016
✓ Microsoft Excel 2019
✓ Microsoft Excel 2021
✓ Microsoft Excel 365
✓ Google Sheets
✓ Works offline — no internet required

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📦 WHAT YOU GET
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- 1 × Personal_Budget_Planner_Pro.xlsx
- 1 × Budget_Planner_User_Guide.pdf (12-page guide)
- Instant download after payment
- Free updates — all improvements included forever

Replace $60–$180/year in budgeting app subscriptions.
Pay once. Use forever. Any income, any country.