personal budget spreadsheet template simple google sheets

This one would have a table that summarised all the categories from tab 1 and tell me how much we were spending on what per month. Thereby giving me a good indication as to how much each of us had to put into either of our accounts each month. The joint table would also take joint bills (mortgage, utilities etc) and divide the cost by two. Then under each table would be a summary of how much total costs would come out of each account. Under the joint table there was also an extra column for who paid, me, my wife or joint. In said table would be the bill name, cost, date of payment and category. So my spreadsheet I split into 3 tabs: Bills, Summary, Re-payments.īecause both me and my wife have our own individual accounts and then a joint where most of the bills came out of, I set 3 different tables. Oooooo I love a good spreadsheet (only when budgeting. If you need some way to track every penny you spend, the Monzo / IFFT integration is good (unless you use other banks, then manual input is needed). I think the best way you can make your own is to just decide what do you need right now, and try to implement it yourself. I also used linear regression to predict how much money I’ll get next month, or a year from now.

I have it set up so that whenever I receive a donation, the users email & how much is saved into another sheet & a program I wrote automatically emails them a “thank you”. I used IFFT to auto-import all my transactions from Monzo too.ĪTM I’m working on a sort of widget? Everytime I buy something on credit card, it gets entered into the spreadsheet, I’m writing a program that reads this new transaction and moves money from my Monzo account to a pot, and when my Monzo account hits £10 send me an alert that I’m about to actually go into debt. I found that downloading a spreadsheet online and trying to make it fit around me didn’t work so well - I hand-built my own. It looks super ugly, but I only add things when I want to do something. Then I wanted to track my donations (people donating me money for my blog and youtube channel), then merchandise sales etc. I then wanted to track my credit score, so I added those into a new sheet. I wanted to track how my networth increased over time, so it was a very simple table with “month, cash, savings, investments”.

I started out with the basics - not trying to base it on anyone elses spreadsheet but just making it mine. I added sections for my accounts in various banks etc, loans and liabilities so I can calculate my total net worth, then a section to project this into the future to determine when I can retire and still have my budget met by my savings.Īll good fun and it taught me a lot about where I’m spending, what assumptions I need to make on returns and how much to save. The spreadsheet calculates what my emergency fund should look like for all three scenarios, what proportion of my income goes on each section and how my savings are (hopefully) increasing. That meant I could see what my minimum living costs could be should the worst happen, what I’d need to earn extra to be comfortable and the additional extra I’d need to really enjoy myself. For mine, I broke spending down into essential, basics and fun, where essential is stuff like mortgage/rent, utilities, council tax, the minimum needed to eat etc basics is TV, phones, car tax and payments, insurance, treat food etc and fun is eating out, bars, hobbies, travel etc.

Personal budget spreadsheet template simple google sheets