Budget & Savings Planner — Monthly Tracker, Savings Goals, Emergency Fund, Subscription Audit & Debt Payoff (Excel)

Most budgeting apps overwhelm you with categories, force you to link bank accounts, and quietly bury a subscription price after the free trial. This model does the opposite: one clean Excel workbook, no login, no data sharing, no monthly fee — you own it and you control it.

What's Inside (10 Tabs)

• Dashboard: Monthly income, spending, savings rate, and progress toward your goals in a single view.


• Income: Multiple income sources (salary, side income, dividends, other).


• Expenses: 7 categories, split fixed vs. variable, with monthly and annual totals.


• Monthly Tracker: Quick entry to log the month as it unfolds.


• Categories vs. 50/30/20: Automatic benchmarking against the classic needs/wants/savings rule.


• Savings Goals: Multiple goals with progress bars, target dates, and months-to-completion.


• Emergency Fund: Milestone tracker from 1 month to 6 months of expenses covered.


• Subscription Audit: Full list of recurring subscriptions with a kill list column for the ones to cancel.


• Debt Payoff:Snowball vs. avalanche side by side to pick the faster method for your situation.


• Formulas Explained: Every calculation documented, no black box.
  
  

175 live formulas. Lighter than my investor-grade models by design — the value here is breadth and immediate usability.

Who It's For

• Anyone starting to structure their personal finances.


• Anyone looking for the subscriptions quietly draining their cash flow.
  
  

Delivery & Background

Delivered as a clean .xlsx file. Built by a management controller and active private investor.