16 Personal Finance Excel Spreadsheet Templates for Managing Money (2024)

What if you could easily and accurately visualize your financial profile? Wouldn't it be great to understand your financial standing at any moment? Thankfully, Vertex42 offers a range of spreadsheets that make this possible. Here are some of their best financial spreadsheets.

1. Money Management Template

When you've got a mortgage, children, a car payment, and other expenses to keep track of, it's hard to balance your budget and avoid overspending. You need a level of financial awareness that most people do not possess. Or, you could just fire up Excel.

This home finance spreadsheet can give even You Need A Budget software a run for its money. It allows you to create a yearly budget to make projections about income and expenses while taking care of variable expenditures and changes in income.

2. Personal Monthly Budget Worksheet

If you do not have a family and wish to take control of your finances, you may want to check out this personal monthly budget spreadsheet. This personal expense tracker for Excel lets you create a budget just for you, and then compare it against what you spend.

There are fields for daily expenditures, as well as entertainment and discretionary spending. It's easy to use, too. The spreadsheet only spans a single page and can be printed on one sheet of paper in portrait orientation.

3. College Budget Template

The transition to university is difficult. You're away from your parents for the first time, and you have to deal with everything they did for you beforehand—washing, cooking, and cleaning.

You've got to pay attention to your finances and avoid overdrafts and credit cards. What's the best way to do that? With this college budget spreadsheet, of course.

This allows you to plan for the cost of studying over the course of months, semesters, and years. It will help you to maintain a positive balance in your bank account.

4. Christmas Gift / Holiday Spending Budget

It's the most wonderful time of the year, as the song goes. Christmas is also one of the most expensive times of the year when families dig deep into their pockets to buy extravagant presents.

But, it doesn't have to be this way. This spreadsheet allows you to set a total budget, allocate it on a person-by-person basis, and use that as a guide for your gift-buying strategy. You'd be surprised how well this helps you manage and save your money. You can also check out these apps to plan Christmas gift shopping.

5. Travel Budget Worksheet

If you love to travel, you need to be meticulous in planning your costs. With this beautiful travel budget worksheet, it is easy. The spreadsheet lets you set a total budget, subtract accommodation and transportation, and then factor in discretionary spending.

6. Money Manager for Kids

Many parents give their children an allowance. It's a great way for them to learn about the inherent value of money and buy the things they want. It's also a great way to teach them about budgeting and saving.

So, why not also allow them to visualize their progress with this money manager for kids? It's a budgeting template but packaged to appeal to young minds.

7. Income Statement Template

An income statement is a document that declares how much you earned, and how much you spent. They're used in businesses and households alike to give a picture of financial health.

This spreadsheet is designed for small business owners. It allows you to thoroughly and meticulously take control of your business's finances.

8. Savings Goal Tracker

Saving money is hard. Especially when you don't have a solid goal, other than to "have savings". And let's face it, there are a lot of shiny things on sale, that can easily pry your money from your wallet.

How do you deal with this? By visualizing your goals and charting your progress towards them. And what better way to do that than with this savings spreadsheet?

9. Credit Repair Spreadsheet

Times are tough. Many people are struggling. They may be unable to make their car and credit card payments on time, and they may discover their credit has been severely damaged.

But you can do something about it. Repairing one's credit is not only possible, but it's also relatively painless. With this spreadsheet, you can work towards rehabilitating yourself in the eyes of credit reporting agencies.

10. Extra Payment Mortgage Calculator

Mortgages are a bit like house guests. The sooner you get rid of them, the better. The best and quickest way to get rid of a mortgage is to make extra payments.

So, why not check out this extra payment calculator, which can show you the benefits of reduced interest when you pay off your mortgage in extra chunks? Brilliant!

11. Credit Account Register Template

Lots of people do all their spending on a credit card. If you pay off your balance in full each month, it's actually a great strategy. You'll see faster resolution times if someone steals money from your account, and you can rack up thousands of points that you can spend on free goodies like hotel rooms and flights.

To make sure you've got a firm grasp on how much money you're spending on credit, use this credit account register template.

12. Wedding Budget Planner

Weddings are costly affairs. Of course, they don't have to be—you should spend the money on the house or invest it in your pension instead. But most people who are in love don't want to listen to such sound advice.

If you're planning for your big day and intend to spend a lot of cash to create the perfect event, you need an Excel spending tracker to plan your wedding budget.

13. Donation Tracker

Are you planning to organize a fundraising event? One of the most important aspects of a successful campaign is keeping an eye on the amount of money that's coming in. This spreadsheet offers columns for the date, type of payment, donor, and notes.

14. Price Comparison Template

The key to getting a good bargain is to shop around. But with so many places vying for your business—both on the high street and online—it can be hard to remember all the prices you've seen.

That's where a price comparison tracker comes in useful. Enter all the prices you see and make an informed decision on the store you're going to use.

15. Money Tracker

We'll leave you with a budgeting app that's been specially designed for use on the smartphone version of Excel. Columns are narrower and less cluttered, so it's much easier to update on a small screen while you're on the go.

Each column also has a drop-down list. You can use it to easily add the date or select one of your most common payees.

16. Personal Budget Spreadsheet

If you're a young adult who's recently entered the workforce and moved to your very own place, it can seem next to impossible to manage your finances. You might feel like you're not in control of your own money and losing track of your progress.

But this is easier to solve than you think. Using the Personal Budget template, you can keep track of your expenses and income, divide them into different categories, and keep an eye on your account balance—all at the same time.

Manage Your Money and Save on Stress

No matter what your financial goals are or how much money you've stored away in your bank account, staying on top of your spending and fixed expenses is a vital part of building wealth and being financially secure.

Try out some of the spreadsheets we've recommended, and you'll soon notice a big improvement in your overall financial position.