How use this tracker:

First, make a copy of this spreadsheet by going to File > Make a Copy. It is not necessary to reque
acess to do this.

In the "Income" tab, enter in your income entries by date, description, amount, and then indicate w
category the purchase falls into. (delete the pre-populated info) The information will then populate
"Annual Dashboard" tab which will add up all your totals and display your information in the
two charts. Do the same thing in the "Expenses" tab.

In the "Annual Dashboard" tab, all of your information will automatically populate into the tables an
charts, giving you insight on your spending habits and paint an overall financial picture.

Do NOT alter any information in the "Annual Dashboard" tab. They are meant to be automatically
populated based on what you input in the "Income" and "Expenses" tabs.

Looking to customize some of the categories? Watch a tutorial here.

Do you use a different currency? It's easy to change it! "Select all" on the cells that contain numer
values, click on the "123" icon in the working bar, and select "custom currency"

I hope this is helpful for you to track and to take control of your finances! Thanks again for
purchasing this template :) <3

(feel free to delete this tab after you make a copy)

----

RESOURCES 💸

NEW: Net Worth Tracker 💸

Track your net worth goal and progress with this easy-to-use and aesthetic dashboard ✨

With this easy-to-use tracker, you can effortlessly monitor your net worth and watch it grow over time
(i.e. passwords to your bank accounts) into third-party net worth tracking apps. Plus, when you track
 HYSA: SoFi Checking & Savings: Get up to $325 when you open an account
Marcus by Goldman Sachs: Get an extra 1% APY for 3 months when you open an acc

Credit card Chase Freedom Unlimited: $200 bonus (BEST beginner credit card)
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Articles & Tools & Tips to Pay Off Debt

Tools How to Start Investing
Places to open a brokerage/investing accouFidelity Vanguard
What is a Roth IRA?
ot necessary to request edit

nt, and then indicate which

ion will then populate the
formation in the

ulate into the tables and

cial picture.

t to be automatically

lls that contain numerical

anks again for

nd watch it grow over time. Why use a spreadsheet? It's great if yuou don't want to enter your financial account data
pps. Plus, when you track your net worth manually, you can better visualize your progress!
 Sneak peak! :)
You can download this template here

hs when you open an account

* I only recommend credit cards if you are a responsible spender and can pay off balances in full

Charles Schwab
al account data
d this template here

pay off balances in full

 YTD Income + Expenses Income vs Expense
14000

12000
Total income $121,746.00 10000

8000

6000
Total expenses $42,979.00
4000

2000

0
Total savings $78,767.00 Jan Feb Mar Apr May June July Aug
Month

Income Category Breakdown

1
2
3
4
5

I
Jan Feb Mar Apr May
Job $ 9,100.00 $ 9,110.00 $ 9,100.00 $ 9,100.00 $ 9,100.00
Side Hustle $ 800.00 $ 800.00 $ 800.00 $ 800.00 $ 800.00
 Interest $ 40.00 $ 40.00 $ 40.00 $ 40.00 $ 40.00
Dividends $ 13.00 $ 13.00 $ 13.00 $ 13.00 $ 13.00
Other $ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00

Total Income/Month $ 9,978.00 $ 9,988.00 $ 9,978.00 $ 9,978.00 $ 9,978.00

E
Jan Feb Mar Apr May
Housing $ 2,000.00 $ 2,000.00 $ 2,000.00 $ 2,000.00 $ 2,000.00
Transportation $ 250.00 $ 250.00 $ 250.00 $ 250.00 $ 250.00
Eating/Drinking Out $ 91.00 $ 91.00 $ 91.00 $ 91.00 $ 91.00
Groceries $ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00
Health/Fitness $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00
Phone $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00
Utilities $ - $ - $ - $ - $ -
Entertainment $ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00
Shopping $ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00
Gifts $ - $ - $ - $ - $ -
Travel $ 400.00 $ 400.00 $ 400.00 $ 400.00 $ 400.00
Business $ - $ - $ 4,000.00 $ - $ -
Other $ - $ - $ - $ 4,500.00 $ -

Total Expenses/Mon$ 2,971.00 $ 2,971.00 $ 6,971.00 $ 7,471.00 $ 2,971.00

S
Jan Feb Mar Apr May
Income $ 9,978.00 $ 9,988.00 $ 9,978.00 $ 9,978.00 $ 9,978.00
Expenses $ 2,971.00 $ 2,971.00 $ 6,971.00 $ 7,471.00 $ 2,971.00

Savings/Month $ 7,007.00 $ 7,017.00 $ 3,007.00 $ 2,507.00 $ 7,007.00

come vs Expenses by Month Savings by Month
10000
9000
8000
7000

Total Savings
6000
Income
5000
Expenses
4000
3000
2000
1000
0
Apr May June July Aug Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sept Oct
Month Month

Expense Category Breakdown

1
2
3
4
5
6
7
8
9
10
11
12
13

Income
June July Aug Sept Oct Nov Dec
$ 9,100.00 $ 9,100.00 $ 9,100.00 $ 11,100.00 $ 9,100.00 $ 9,100.00 $ 9,100.00
$ 800.00 $ 800.00 $ 800.00 $ 800.00 $ 800.00 $ 800.00 $ 800.00
$ 40.00 $ 40.00 $ 40.00 $ 40.00 $ 40.00 $ 40.00 $ 40.00
$ 13.00 $ 13.00 $ 13.00 $ 13.00 $ 13.00 $ 13.00 $ 13.00
$ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00

$ 9,978.00 $ 9,978.00 $ 9,978.00 $ 11,978.00 $ 9,978.00 $ 9,978.00 $ 9,978.00

Expenses
June July Aug Sept Oct Nov Dec
$ 2,000.00 $ 2,000.00 $ 2,000.00 $ 2,000.00 $ 800.00 $ 2,000.00 $ 2,000.00
$ 250.00 $ 250.00 $ 250.00 $ 250.00 $ 250.00 $ 250.00 $ 250.00
$ 91.00 $ 91.00 $ 91.00 $ 118.00 $ 91.00 $ 91.00 $ 91.00
$ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00
$ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00
$ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00
$ - $ - $ - $ - $ - $ - $ -
$ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00 $ 25.00
$ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00
$ - $ - $ - $ - $ - $ - $ -
$ 400.00 $ 400.00 $ 400.00 $ 400.00 $ 400.00 $ 400.00 $ 400.00
$ - $ - $ - $ - $ - $ - $ -
$ - $ - $ - $ - $ - $ - $ -

$ 2,971.00 $ 2,971.00 $ 2,971.00 $ 2,998.00 $ 1,771.00 $ 2,971.00 $ 2,971.00

Savings
June July Aug Sept Oct Nov Dec
$ 9,978.00 $ 9,978.00 $ 9,978.00 $ 11,978.00 $ 9,978.00 $ 9,978.00 $ 9,978.00
$ 2,971.00 $ 2,971.00 $ 2,971.00 $ 2,998.00 $ 1,771.00 $ 2,971.00 $ 2,971.00

$ 7,007.00 $ 7,007.00 $ 7,007.00 $ 8,980.00 $ 8,207.00 $ 7,007.00 $ 7,007.00

vings by Month

Total Savings

ay June July Aug Sept Oct Nov Dec

Month

Total by Category
$ 111,210.00
$ 9,600.00
 $ 480.00
$ 156.00
$ 300.00

$ 121,746.00

Total by Category
$ 22,800.00 Month Total Income Total ExpenseTotal Savings
$ 3,000.00 Jan $ 9,978.00 $ 2,971.00 $ 7,007.00
$ 1,119.00 Feb $ 9,988.00 $ 2,971.00 $ 7,017.00
$ 600.00 Mar $ 9,978.00 $ 6,971.00 $ 3,007.00
$ 360.00 Apr $ 9,978.00 $ 7,471.00 $ 2,507.00
$ 360.00 May $ 9,978.00 $ 2,971.00 $ 7,007.00
$ - June $ 9,978.00 $ 2,971.00 $ 7,007.00
$ 300.00 July $ 9,978.00 $ 2,971.00 $ 7,007.00
$ 1,140.00 Aug $ 9,978.00 $ 2,971.00 $ 7,007.00
$ - Sept $ 11,978.00 $ 2,998.00 $ 8,980.00
$ 4,800.00 Oct $ 9,978.00 $ 1,771.00 $ 8,207.00
$ 4,000.00 Nov $ 9,978.00 $ 2,971.00 $ 7,007.00
$ 4,500.00 Dec $ 9,978.00 $ 2,971.00 $ 7,007.00

$ 42,979.00

TOTAL
$ 121,746.00
$ 42,979.00

$ 78,767.00
 January February
Date Description Income AmounCategory Date
1/1/2023 paycheck $1,700.00 Job
1/1/2023 401k contribution $250.00 Job
1/1/2023 HSA contribution $100.00 Job
1/15/2023 paycheck $1,700.00 Job
1/15/2023 401k contribution $250.00 Job
1/15/2023 HSA contribution $100.00 Job
1/15/2023 bonus $5,000.00 Job
1/17/2023 dog walking $800.00 Side Hustle
1/31/2023 bank interest $40.00 Interest
1/31/2023 stock dividends $13.00 Dividends
1/31/2023 cash back $25.00 Other
 February March
Description Income AmounCategory Date Description
paycheck $1,700.00 Job paycheck
401k contribution $250.00 Job 401k contribution
HSA contribution $100.00 Job HSA contribution
paycheck $1,700.00 Job paycheck
401k contribution $250.00 Job 401k contribution
HSA contribution $100.00 Job HSA contribution
bonus $5,000.00 Job bonus
dog walking $800.00 Side Hustle dog walking
bank interest $40.00 Interest bank interest
stock dividends $13.00 Dividends stock dividends
cash back $25.00 Other cash back
$10.00 Job
March April
Income AmounCategory Date Description Income Amoun
$1,700.00 Job paycheck $1,700.00
$250.00 Job 401k contribution $250.00
$100.00 Job HSA contribution $100.00
$1,700.00 Job paycheck $1,700.00
$250.00 Job 401k contribution $250.00
$100.00 Job HSA contribution $100.00
$5,000.00 Job bonus $5,000.00
$800.00 Side Hustle dog walking $800.00
$40.00 Interest bank interest $40.00
$13.00 Dividends stock dividends $13.00
$25.00 Other cash back $25.00
 May
Category Date Description Income AmounCategory
Job paycheck $1,700.00 Job
Job 401k contribution $250.00 Job
Job HSA contribution $100.00 Job
Job paycheck $1,700.00 Job
Job 401k contribution $250.00 Job
Job HSA contribution $100.00 Job
Job bonus $5,000.00 Job
Side Hustle dog walking $800.00 Side Hustle
Interest bank interest $40.00 Interest
Dividends stock dividends $13.00 Dividends
Other cash back $25.00 Other
 June July
Date Description Income AmounCategory Date
paycheck $1,700.00 Job
401k contribution $250.00 Job
HSA contribution $100.00 Job
paycheck $1,700.00 Job
401k contribution $250.00 Job
HSA contribution $100.00 Job
bonus $5,000.00 Job
dog walking $800.00 Side Hustle
bank interest $40.00 Interest
stock dividends $13.00 Dividends
cash back $25.00 Other
 July August
Description Income AmounCategory Date Description
paycheck $1,700.00 Job paycheck
401k contribution $250.00 Job 401k contribution
HSA contribution $100.00 Job HSA contribution
paycheck $1,700.00 Job paycheck
401k contribution $250.00 Job 401k contribution
HSA contribution $100.00 Job HSA contribution
bonus $5,000.00 Job bonus
dog walking $800.00 Side Hustle dog walking
bank interest $40.00 Interest bank interest
stock dividends $13.00 Dividends stock dividends
cash back $25.00 Other cash back
August September
Income AmounCategory Date Description Income Amoun
$1,700.00 Job paycheck $1,700.00
$250.00 Job 401k contribution $250.00
$100.00 Job HSA contribution $100.00
$1,700.00 Job paycheck $1,700.00
$250.00 Job 401k contribution $250.00
$100.00 Job HSA contribution $100.00
$5,000.00 Job bonus $5,000.00
$800.00 Side Hustle dog walking $800.00
$40.00 Interest bank interest $40.00
$13.00 Dividends stock dividends $13.00
$25.00 Other cash back $25.00
paycheck $2,000.00
r October
Category Date Description Income AmounCategory
Job paycheck $1,700.00 Job
Job 401k contribution $250.00 Job
Job HSA contribution $100.00 Job
Job paycheck $1,700.00 Job
Job 401k contribution $250.00 Job
Job HSA contribution $100.00 Job
Job bonus $5,000.00 Job
Side Hustle dog walking $800.00 Side Hustle
Interest bank interest $40.00 Interest
Dividends stock dividends $13.00 Dividends
Other cash back $25.00 Other
Job
 November December
Date Description Income AmounCategory Date
paycheck $1,700.00 Job
401k contribution $250.00 Job
HSA contribution $100.00 Job
paycheck $1,700.00 Job
401k contribution $250.00 Job
HSA contribution $100.00 Job
bonus $5,000.00 Job
dog walking $800.00 Side Hustle
bank interest $40.00 Interest
stock dividends $13.00 Dividends
cash back $25.00 Other
 December
Description Income AmounCategory
paycheck $1,700.00 Job
401k contribution $250.00 Job
HSA contribution $100.00 Job
paycheck $1,700.00 Job
401k contribution $250.00 Job
HSA contribution $100.00 Job
bonus $5,000.00 Job
dog walking $800.00 Side Hustle
bank interest $40.00 Interest
stock dividends $13.00 Dividends
cash back $25.00 Other
 January
Purchase DateItem Amount Category Purchase Date
1/1/2023 rent $2,000.00 Housing
1/2/2023 dinner at X restaurant $35.00 Eating/Drinking Out
1/3/2023 drinks $20.00 Eating/Drinking Out
1/4/2023 trader joes $50.00 Groceries
1/5/2023 phone $30.00 Phone
1/6/2023 car payment $250.00 Transportation
1/7/2023 gym $30.00 Health/Fitness
1/8/2023 clothes from abercrombie $95.00 Shopping
1/9/2023 plane ticket to hawaii $400.00 Travel
1/10/2023 dinner at Y restaurant $36.00 Eating/Drinking Out
1/11/2023 movies $25.00 Entertainment
 February Mar
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 March Apri
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
$4,000.00 Business
 April May
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
$4,500.00 Other
 May Jun
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 June July
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 July Augu
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 August Septem
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 September Octob
Item Amount Category Purchase Date
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
dinner at restaurant $27.00 Eating/Drinking Out
 October Novem
Item Amount Category Purchase Date

rent $800.00 Housing

dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 November Decemb
Item Amount Category Purchase Date

rent $2,000.00 Housing

dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment
 December
Item Amount Category
rent $2,000.00 Housing
dinner at X restaurant $35.00 Eating/Drinking Out
drinks $20.00 Eating/Drinking Out
trader joes $50.00 Groceries
phone $30.00 Phone
car payment $250.00 Transportation
gym $30.00 Health/Fitness
clothes from abercrombie $95.00 Shopping
plane ticket to hawaii $400.00 Travel
dinner at Y restaurant $36.00 Eating/Drinking Out
movies $25.00 Entertainment