Home Finance Budget Planner
WHAT YOU CAN DO WITH THIS SPREADSHEET:
Know where all of your money is going each month.
Keep track of your finances in as little as 5 minutes per day.
Manage multiple accounts in one place. Use as few or as many of these accounts as you wish. (You can track up to three checking accounts, three savings accounts, two cash accounts, three credit card accounts, two line of credit accounts, multiple loan accounts including student loans and your mortgage, investment accounts, and two reimbursable accounts).
All transactions entered in the General Ledger are automatically reflected in your budgets and reports.
Prepare a comprehensive monthly budget in 5 minutes.
Compare planned spending against actual spending as the month progresses so that you know how much money you have left for spending in each category and so that you can make on-the-fly adjustments in your budget for the remaining part of the month.
Prepare a comprehensive annual budget in 5-10 minutes.
Your annual budget can respond automatically throughout the year to changes you make in your monthly budgets, and to actual spending as the year progresses.
Use the annual budget to see how your cash flow will unfold during the year.
Assign savings goal categories to your savings accounts. Savings goals allow you to earmark money for spending later (i.e. for vacations, seasonal holidays, taxes, down payments, etc.). Any amount that you set aside in a savings goal or that you withdraw from a savings goal each month, is treated as a budget allocation or as an inflow back into your budget, respectively.
In addition to expenses and savings goal accounts, budget allocations also include investment purchases, reimbursable expenses, and debt payments, so that your budgets show all outflows each month, not just expense categories (something that some more expensive home finance software packages do not do very well).
In addition to income, budget inflows include transfers from savings accounts and investment accounts to your chequing account(s), loan transfers, and reimbursement payments you receive, so that your budgets incorporate all inflows for the month (again, something that more expensive home finance software packages do not provide well in their budgeting features).
Budget worksheets are printable so that you and your partner can review them together, as needed.
View a balance sheet report that tells you the current balance in all of your accounts in one place, at a glance.
View an income and expense statement that gives you a summary of your income and spending, by category, annually and by month.
Sort and filter transactions according to date, payee, description, category, etc.
Reconcile bank statements against the account ledgers in the spreadsheet.
Income and expense accounts (or categories) are semi-customizable.
Assign multiple categories to a single transaction, if needed (something most other personal finance spreadsheets do not accomplish).
Automatic alert messages guide you in what steps to take to enter transactions and ensure that all data in the spreadsheet is accurate and complete.
**Caveat: for those of you who may be searching for an investment tracker, this spreadsheet will not be sufficient for you. While this spreadsheet, as it currently stands, is a powerful means of keeping track of your home finances, the register for keeping track of an investment account is sufficient only for providing a place to record assets purchased. It is not sufficient for tracking the performance of your investment portfolio. For the latter, you will need additional or alternative software.
HOW TO SET UP YOUR SAVINGS ACCOUNT REGISTER
HOW TO USE THE BUDGET WORKSHEETS
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