Personal Finance Tracker Google Sheets Budget Template

Take control of your finances with this simple yet powerful all-in-one Personal Finance Tracker built entirely in Google Sheets. This template is designed to help you track, understand, and improve your money habits — without complicated tools or apps.

Track income, expenses, savings, assets, and liabilities — all in one easy-to-use system. This template automatically organizes your financial data and turns it into clear monthly and yearly insights, so you always know where your money is going and how your net worth is growing.

✨ What’s Included:

• 💵 Income tracking
• 🧾 Expense tracking
• 🎯 Income & expenses tracking by categories
• 💰 Savings tracking
• 🏠 Assets & liabilities tracking
• 📈 Automatic net worth calculation
• 📅 Monthly financial summary & analytics
• 📊 Yearly analytics financial summary & analytics
• 📉 Visual charts & percentage breakdowns
• 📄 100% Google Sheets – no extra software needed

👤 Who This Template Is For:

• Anyone who wants to manage their personal finances in one place
• Beginners looking for a simple but powerful budgeting system
• Individuals who prefer Google Sheets over apps
• People who want clear insights without manual calculations

❤️ Why You’ll Love It:

• Clean, easy-to-use layout
• Fully automated calculations & dashboards
• Reusable every new year
• Editable to fit your personal needs
• Instant access after purchase 🚀

If you prefer Notion to manage your finances👇

How does this work?

• After purchasing the template, you will be redirected to Google Sheets.
• Click on the "Duplicate" button located in the top right corner. This will duplicate the template to your Google workspace.

Congratulations! You can now start using the template and make all the customization's as needed to fit your requirements.

(Please Note) You Will Need :

• - A device to access Your Google Account (e.g. desktop, laptop, smartphone, tablet)
• - A Google account (signing up for a personal plan is free!)
• - Basic understanding of how Google Sheets works
• - The template is optimized for desktop or laptop use and may vary in appearance on smaller devices. However the functionality remains consistent across all devices.
• - This template is exclusively compatible with the Google Sheets App or Website. It won't function on any other applications.
• - Please note, that this is a digital download and no physical items will be shipped.
• - All materials are intended for personal use only. Reproduction, distribution, selling or any other form of unauthorized use is strictly prohibited.

🚀 Other Resources We Offer

FAQs

• Does this work on the free version of Google Sheets? Yes, you can use this template on Google Sheet's free personal plan.
• Can I customize the template? Yes, you can freely make edits to the template to suit your lifestyle needs!
• Are there instructions on how to use the template? Yes, Your purchase also includes a tutorial guide that comes with detailed instructions to eliminate the guesswork!
• What will happen after I purchase? Once you've completed your purchase, you will gain instant access to the template. From there, you can duplicate the template into your own account.
• What are the terms of use of the templates? All designs, templates, guides, and content are for your own personal use only. No part of it can be distributed, sold, reproduced, or used in any form without the written permission of the author. I've poured so much time and effort into making these templates for you! I highly appreciate your support! Thank you!
• Do you have a refund policy? No. Because this digital offering is a non-refundable digital product. And due to the digital nature of this product, all sales are final and no refunds will be provided. 
• Remember- This is a digital download. No physical items will be sent after purchase.
• Can I duplicate this template to share with my team/friends? No, this template is for individual use only. As a solopreneur & small business owner, I've put a lot of time and effort into creating this template, and I truly appreciate your support. And in order to maintain the integrity of my work, I kindly request you, that you do not share this template and all other material outside of your personal workspace. Thank you for understanding.
• Got more Questions, suggestions or feedback? Send your questions at creativecashflowcare@gmail.com - we're more than happy to answer!

---Things to Note:---

❌ This template is designed for Google Sheets only.  (will not work anywhere else).

❌ By obtaining the product, you agree to use it for personal use only, and not to share or distribute the content. All materials are for personal use only. No part of it can be distributed, shared, sold, reproduced, or used in any form without prior written permission from the author.

⚠️ DISCLAIMERS

• This product is an instant digital download file, no physical product will be shipped to you. Due to the digital nature of this product, all sales are final and no refunds will be provided.
• Please note that colors may appear differently on different screens and devices, including computer monitors, smartphones, and tablets.
• The information provided is for general knowledge only, not financial advice. Consult with a qualified professional before making any financial decisions. You bear all the risk. We are not liable for any losses or damages arising from your use of this information or template.

© Creative Cashflow — All Rights Reserved