Spreadsheet Personal Finance Apr 2026

Create a separate tab for monthly budgets. Use SUMIF formulas to automatically pull data from the transactions log based on categories.

Start with pre-made templates from Microsoft Excel Online or Etsy.

Formula Example: =SUMIF(Transactions!C:C, "Groceries", Transactions!D:D)

Categorize new transactions and update account balances.

Progress toward specific targets (e.g., emergency fund). Dashboard: Visual summary of key numbers. 2. Step-by-Step Setup Guide

Assets (what you own) minus Liabilities (what you owe).

Income minus expenses equals zero (every dollar has a job). 50/30/20 Rule: 50% Needs, 30% Wants, 20% Savings/Debt.