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.

More about...Budgeting

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frugal
frugal
14 years ago

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.

starkos
starkos
14 years ago

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!

M_Hagen
M_Hagen
14 years ago

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

Sarab Singh
Sarab Singh
14 years ago

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

Patrick Holt
Patrick Holt
14 years ago

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!

John Doe
John Doe
13 years ago

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… Read more »

Colleen
Colleen
13 years ago

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!

Kai Wang
Kai Wang
12 years ago

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

Anne Ferguson
Anne Ferguson
11 years ago

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!

Brad Fisher
Brad Fisher
11 years ago

The amortization spreadsheet rocks, thanks!

John
John
11 years ago

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

Thanks for a great blog!

Simon @ shrewdcookie.com
Simon @ shrewdcookie.com
11 years ago

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

Igor
Igor
10 years ago

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.

Rhys
Rhys
10 years ago

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.

Rob
Rob
10 years ago

Great collection, thank you for sharing 😉

Alana
Alana
8 years ago

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!

Richie
Richie
7 years ago

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

instagram
instagram
6 years ago

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

Annie
Annie
4 years ago

Numsum.com doesn’t work at all now.

Linda Vergon
4 years ago
Reply to  Annie

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

Lynn Krack
Lynn Krack
4 years ago

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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