The Monthly Budget Planner

The Monthly Budget Planner is a simple and effective tool to help you manage your money each month. Track income, bills, expenses, and savings to stay on top of your finances and make smarter spending decisions.

💡 What It Is

This Monthly Budget Spreadsheet is an easy-to-use digital planner that helps you see exactly where your money is going each month. It’s designed to help you stay organized, manage your income, and keep your financial goals on track — all in one simple, visual dashboard.

Whether you’re budgeting for everyday life, paying off debt, or preparing to buy a home, this tool gives you a clear overview of your money with automatic charts and totals.

⚙️ How It Works

1. Pick your month from the dropdown menu.
2. Enter your income, bills, expenses, debts, savings, and investments.
3. The sheet automatically calculates totals and shows how much you’re spending vs. budgeting.
4. Use the charts and summary section to see your financial balance at a glance.

Everything auto-updates — no formulas or setup needed!

📊 Detailed Breakdown of Each Section

🔹 Summary Dashboard (Top Section)

• Budget vs. Actual Comparison: Instantly see how your actual spending compares to what you planned.
• Spending Summary Chart: A colorful pie chart that breaks down your spending by category.
• Bar Graph Overview: Quickly visualize your income and spending totals.

🔹 Income Tracker

• Add all your income sources, including paychecks and side hustles.
• Track planned vs. actual income and total monthly earnings.

🔹 Expense Tracker

• Organize your monthly expenses (food, travel, healthcare, etc.).
• Track how much you planned to spend and what you actually spent.
• Spot overspending easily.

🔹 Bills Tracker

• Keep track of recurring bills with due dates and payment amounts.
• Stay on top of what’s paid and what’s coming up.

🔹 Debt Tracker

• List each debt, like credit cards or loans.
• Compare planned vs. actual payments to stay accountable.

🔹 Investments Tracker

• Track your investments (stocks, crypto, mutual funds, etc.).
• See how your investment plan fits within your monthly budget.

🔹 Savings Tracker

• Track your savings goals for the month — like emergency funds or vacation money.
• Instantly see how much you’ve added and how close you are to your target.

🌟 What Makes It Valuable

• ✅ Fully automated and beginner-friendly
• ✅ Color-coded layout for easy organization
• ✅ Visual charts for quick financial insight
• ✅ Works in Google Sheets and Excel
• ✅ Perfect for personal or household budgeting
• ✅ Helps build strong money habits

📁 What You’ll Receive

• 1 digital download (Google Sheets or Excel version)
• Setup and usage instructions

⚠️ Legal Disclaimer

• This is a digital file — no physical product will be shipped.
• For personal use only. You may not resell, share, or redistribute this file.
• This tool is designed for organization and education, not professional financial advice.
• Due to the digital nature of this product, all sales are final.