10 Helpful Spreadsheet Templates To Help Manage Your Finances
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I’ve always thought that one of the reasons why staying afloat is so challenging is because money is such an abstract concept. It’s just numbers on a page, or pieces of paper in a wallet. But what if that wasn’t the case? What if you could easily and accurately visualize your financial health? Wouldn’t it be great if you knew where your money was, at all times?

Thankfully, Vertex42 (which we’ve covered in the past Vertex42: Download Free Excel Templates & Calculators Vertex42: Download Free Excel Templates & Calculators Vertex42 is a resource where you can download free Excel templates, financial calculators, calendars templates and articles that are designed to educate, increase productivity and help people manage their time and finances effectively using Excel. Read More ) has a range of spreadsheets that make this possible, and more. Don’t believe me? Here are ten of the best financial spreadsheets they have to offer.

Family Budget Planner

When you’ve got a mortgage, children, a car payment, and other expenses to keep track of 6 Ways to Track Your Monthly Expenses (And Stick to Your Budget) 6 Ways to Track Your Monthly Expenses (And Stick to Your Budget) Tracking your expenses is the first and most important step to saving money. Here are six ways to track your money. Read More , it’s hard to balance the budget. You need a level of financial awareness that perhaps even Paul Krugman doesn’t possess. Or, you could just fire up Excel. This spreadsheet can give even You Need A Budget YNAB Makes It Easy to Make a Budget and Stick to It YNAB Makes It Easy to Make a Budget and Stick to It Does your checking account remind you of a debt-burdened Southern European nation? You Need A Budget. We know it's tough to keep track of spendings. YNAB can help. Read More a run for its money (no pun intended), and allows you to create a yearly budget to project earnings and expenditures, whilst taking care of variable expenditures and changes in income.


Personal Monthly Budget Worksheet

If you’ve not got a family and you’re eager to take control of your finances, why don’t you check out this personal monthly budget spreadsheet. It allows you to create a budget just for you Make a Personal Budget on Excel in 4 Easy Steps Make a Personal Budget on Excel in 4 Easy Steps Do you have so much debt that it will take decades to pay off? It's time to make a budget and apply a few Excel tricks to help you pay off your debt sooner. Read More , and then compare it against what you actually spend and comes with fields for daily expenditures, as well as entertainment and discretionary spending. It’s easy to use too. This spreadsheet only spans a single page, and can be printed on one sheet of paper in portrait orientation.


College Budget Template

Going to university is scary. You’re away from your parents, and everything they did for you – washing, cooking and cleaning – is now something you have to deal with. Alone. You’ll also have to take care of your finances, and avoid the allure of overdrafts and credit cards. How do you 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, and to keep your bank account in the black.


Christmas Gift / Holiday Spending Budget

It’s the most wonderful time of the year, as the song goes. It’s also the most eye-wateringly expensive time of the year, as families push themselves further and further into debt to buy lavish presents. 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 to for your gift-buying strategy.


Travel Budget Worksheet

I love to travel. I’ve been to ten different countries this year. The reason I’ve been able to do that is due to meticulous research and planning the costs of each leg of my trips. You can see the world too, with this beautiful travel budget worksheet. It allows you to set a total budget, subtract accommodation and transportation, and then factor in discretionary spending.


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 to buy the things they want. It’s also a great way to teach them about budgeting and saving. Why not also allow them to visualize their progress with this money manager for kids? It’s a budgeting template, but packaged to appeal and cater for young minds.


Income Statement Template

An income statement is a document that declares how much you earned, and how much you expended. They’re used in businesses and households alike to visualize how much they’re spending, and to give a picture of the health of your finances. This spreadsheet is designed for the small business owner, and allows you to thoroughly and meticulously take control of your business’s finances.


Savings Goal Tracker

Saving money is hard. Especially when you’ve not really got 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 spreadsheet?


Credit Repair Spreadsheet

Times are tough. Many people are struggling. And many people find themselves in a hole, missing credit card and car payments, and when they climb out they find their credit is shot. Broken. But something can be done. Repairing one’s credit is not only possible, it’s also relatively painless. With this spreadsheet, you can work towards rehabilitating yourself in the eyes of the credit reporting agencies.


Extra Payment Mortgage Calculator

Mortgages are a bit like house guests. The sooner you’re shut 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!



Vertex42 has a startling array of spreadsheets that make managing your finances absolutely effortless. Did I miss any? Let me know in the comments box below.

Featured image credits: Georgejmclittle via Shutterstock.

Explore more about: Microsoft Excel, Money Management, Spreadsheet.

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  1. Yori
    September 15, 2016 at 11:29 am

    this is very helpful. I am looking for an excel [or other template] to manage a small portfolio of investments, mainly real estate, but others as well [cash, traded stocks, investment in funds, loans, etc.]. Can you recommend on something? thanks.

  2. Chris
    August 17, 2016 at 1:29 am

    Hello. I'm looking for Low Risk Money Management or Smart Money Management temples. If you have it. Thanks

  3. Nicole
    January 16, 2016 at 5:25 pm

    There is an automated Excel Template at http://www.xlyourfinances.com that uses visual basic macros to simplify credit card downloads by auto-labeling your transactions into custom categories, removing previously posted items, reconciling your account balance, comparing your results to your budget and making it easy to track your personal net worth year over year.

  4. Carsten Juul
    January 8, 2015 at 6:55 pm

    I use my backup e-mail in this post