Handy personal finance spreadsheets

Good personal finance spreadsheets are hard to find on the web because sploggers monopolize the search results. Still, I’ve managed to collect links to a stack of them that I’d like to share.

Spreadsheets more useful than web-based calculators because:

  • You can modify the fields and formats to meet your own needs,
  • You can create “what-if” scenarios by making copies of a sheet, and
  • You can save the data for later use.

The following links are all real sites from real people with real useful information to share.

  • I mentioned PearBudget in a previous entry. It’s an excellent (though elaborate) budgeting spreadsheet.
  • If you find PearBudget intimidating, this morning Lifehacker pointed to another spreadsheet-based budgeting system. It’s bare-bones, which may appeal to some.
  • Foxway offers a budget tracker spreadsheet that is somewhere between the previous two in complexity. It keeps all expenses for a single year on one page. (For some reason the file has an .XLR extension; you’ll need to change it to .XLS to open it.)
  • If, like me, you’re following the debt snowball method of debt reduction, check out Mr. Peanut’s Debt Snowball Calculator.
  • Patrick Holt has created a ginormous spreadsheet filled with all manner of personal finance calculators. This thing is mammoth.
  • GRS gives you a way to check your report for error.How to get a free credit report?
  • It’s Your Money offers 22 different personal finance spreadsheets, including several related to auto expenses.
  • As one might expect, Microsoft offers many excellent personal finance spreadsheets for free download. These are more polished than most of the home-brewed spreadsheets I’ve listed, though not necessarily as useful. (Addendum: more here.)
  • Ask the Builder has a column about saving for a rainy day so that home repairs don’t take you by surprise. There’s no downloadable spreadsheet here, but there’s brief mention (and an image) of one that you can easily recreate on your own. (Besides: this is an excellent column for homeowners.)
  • Num Sum had a huge collection of spreadsheets, but most of them are junk — and they aren’t available on the internet any longer. It used to be that if you had patience, you could sift through to find some gems, such as the home maintenance schedule — but that’s not true today. Num Sum spreadsheets were not downloadable, and registration was required to use them.
  • And from Get Rich Slowly, you can download Vintek’s power of compounding spreadsheet and the default Excel amortization table, a useful loan calculator. (Vintek sent me a generic revised version of his spreadsheet, which I’m dubbing the magic of compound returns spreadsheet.)

There must be thousands of other great personal finance spreadsheets out there. I’ll share the best of those I find.

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There are 21 comments to "Handy personal finance spreadsheets".

  1. frugal says 25 May 2006 at 23:45

    You have a good point about web-based calculators. But I think I made my calculators general enough for most people. My federal tax calculator will even calculate for 4 kinds of filing status.

  2. starkos says 04 June 2006 at 04:26

    My modest contribution to your collection, a spreadsheet that I use to calculate savings goals: http://jason.379.com/savings_goals

    I hope you find it useful. Keep up the great writing!

  3. M_Hagen says 11 August 2006 at 13:44

    The page that had Patrick Holt’s spreadsheet is down. Any way I can get a copy of it?

  4. Sarab Singh says 27 August 2006 at 13:41

    awesome links man, I haven’t even checked them out yet, but if they are what you described it is precisely what I was looking for, thanks a lot

  5. Patrick Holt says 09 September 2006 at 09:27

    JD, I saw that some of the referrals for my website were coming from your site, so I stopped over to say hello! Thanks for the words about my spreadsheet!

    Currently I have taken them offline for a while, but they should be back shortly.

    Like your site!

  6. John Doe says 08 January 2007 at 12:00

    Well, I know Im late 😉 but I have a note regarding Vinteks compounding sheet. I tried it out and I was stunned how soon I will be a millionaire, then I remembered that none of my previous calculations gave such an optimistic view. Heres why: Vintek is using 10% interest which is a little otimistic in my opinion, where do you get such rates? Maybe when investing in stock and funds cleverly. On average I would say 5% would still be very unlikely to be realised but even with 5% and 2000+ every year I won’t reach above 200,000 (i’m 23) that is because (at least here in germany) they charge 30% (!)tax on your interest. Which I find is totally ridiculous btw.! So that the 5% are just 3.5% in reality.
    In 2008 they will even raise it to 44% here o.O AAAAAAARGH
    I believe in the US its about 15% but im not too sure about that.

    In conclusion: if you hit 46 and your balance doesn’t match your excel sheet in any way, don’t be surprised! 😉

  7. Colleen says 02 February 2007 at 17:29

    Thank you, thank you! I was just thinking about moving my record keeping from paper to computer so this list is just what I needed to figure out my next step. Love your site!

  8. Kai Wang says 13 August 2008 at 13:57

    I know this post has been awhile back, but the need of financial spreadsheet is still around. I came up with this for my personal use. It’s very raw and I’m still working on it. But here it is. 🙂

    http://mypage.iu.edu/~kaiwang/Personal/budget_tracker.xls

  9. Anne Ferguson says 02 February 2009 at 07:03

    I use Karen McCall’s MoneyMinder with my financial counseling clients — to be found at http://www.financialrecovery.com. It not only helps you track your money, create spending plans, but also helps you map your periodic expenses, needs/wants, track your debt reduction, and much more!

  10. Brad Fisher says 02 February 2009 at 11:30

    The amortization spreadsheet rocks, thanks!

  11. John says 03 June 2009 at 07:27

    The download links for all three spreadsheets in the last bullet are broken. Any chance they can be fixed? 🙂

    Thanks for a great blog!

  12. Simon @ shrewdcookie.com says 24 September 2009 at 07:43

    Here is my income and expenses cashflow spreadsheet which some of your readers might find useful

    http://www.shrewdcookie.com/financial-planning/cashflow-forecasting-planning-income-and-expenditure

    Simon

  13. Igor says 07 December 2009 at 14:36

    Here’s an add-in to Excel that automates keeping track of bank accounts and expenses in a spreadsheet:

    http://www.arixcel.com/accounts

    It’s currently offered for free.

  14. Rhys says 04 January 2010 at 03:59

    I created an Excel budget spreadsheet at http://www.easy-budgeting.com – 100’s of poeple worldwide have found this to be a very useful budgeting tool.

  15. Rob says 19 May 2010 at 05:46

    Great collection, thank you for sharing 😉

  16. Alana says 14 June 2012 at 09:35

    It’s me again. I just wanted to chime in and say how much these financial spreadsheets have helped me. Back in 2006 I was clueless with Excel; today, my friends are always asking them for help planning their budgets and expenses. Thank you very much!

  17. Richie says 12 February 2013 at 12:44

    Some nice links to useful spreadsheets. The mortgage ones are really great.
    Good work!

  18. instagram says 17 November 2013 at 15:21

    I really enjoyed this! Please update us! Keep up the good work!

  19. Annie says 02 May 2016 at 03:15

    Numsum.com doesn’t work at all now.

    • Linda Vergon says 03 May 2016 at 01:19

      Hi Annie,

      I removed the link to Num Sum since it was broken. Thank you for pointing that out.

      Best regards,

      Linda Vergon
      Editor of GetRichSlowly.org

  20. Lynn Krack says 04 July 2016 at 01:10

    One thing is that often one of the most popular incentives for using your credit cards is a cash-back and also rebate present. Generally, you’ll receive 1-5 back for various buying. Depending on the cards, you may get 1 back again on most expenditures, and 5 back again on purchases made from convenience stores, filling stations, grocery stores and also ‘member merchants’.

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