Monthly Budget Tracker

Monthly Budget Tracker — Google Sheets & Excel Template Income, Expenses, Debt Payoff & Savings Goals — all in one soft, stress-free spreadsheet.

Tired of budget spreadsheets that feel like a math test? This tracker was designed to make managing your money actually feel calm — soft pastel colors, clean layout, and zero clutter.

Just plug in your numbers and everything else — totals, charts, progress bars — updates itself automatically. No formulas to write, no formatting to fix. Works instantly in Google Sheets (no Microsoft Office needed) and opens just as well in Excel.

What's inside:

• 🌸 Summary tab — a full-year overview with an income-vs-expenses chart, plus at-a-glance debt and savings-goal cards
• 💰 Income tracker — 9 built-in income categories, plus blank rows to add your own
• 🧾 Expense tracker — 16 built-in categories with monthly budgets, plus blank rows to add your own — turns soft green when you're under budget, soft pink when you're over
• 🏷️ Debt payoff tracker — track balances, interest rates, and payments with a built-in progress bar for every debt
• 🎯 Savings goal tracker — set targets and watch your progress bar fill in as you save

Perfect for: anyone who wants a pretty, easy, no-experience-needed way to see their whole financial picture in one place — new budgeters, moms managing a household, or anyone who just wants their spreadsheet to feel a little less beige.

Format: Instant digital download, .xlsx file — compatible with Google Sheets, Excel, and Numbers.