How to build a personal finance budget tracker in Excel step by step.
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In this video, I’ll show you how to build a fully dynamic personal finance tracker where you simply have to log your transactions once, and everything flows automatically into a tracker.Here you have some KPIs and visuals up top, like the year-to-date savings and the savings by month. This is followed by the breakdown of income, expenses, and savings by month, by category, and even the annual averages. Once you complete this tracker, it’s fully automatic, so there is no copy-pasting formulas or pivot tables you need to use. First in the transactions sheet is where you log any new incomes or expenses. Second, we’ll lay out the tracker with all the different months, averages, and totals. Thirdly, we’ll fill in the values with the SUMIFS function and calculate the savings. Then we will work on formatting using conditional formatting before use inverted color charts and KPIs to finish the tracker.
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Chapters:
0:00​ -​ Intro
0:30​ -​ Transactions Sheet
3:40​ – Tracker Formatting
6:42​ – Filling in the Values Automatically
9:55​ – Calculating Savings
12:50​ – Formatting Clean Up
14:20​ – KPIs and Visuals
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the link of template isnt working for me
how do i erase the filled in stats to restart it and track my own stats
mistake on track sheet average of income column.😉
At 9:54 and a few times after that, you show the average of income and the other ones below as doubled the total column, which doesn't make sense, since it's an average. Only the last few tables have numbers that make sense. Good, unsophisticated tracker, though. Edit: I'm also going to add that if you want the real average, you can have a cell with today's date [=today()] and have another cell referring to it to get the month number [=month(cell)]. Then, get your total divided by that cell where [=month(cell) is. That way, your average is always per the month you are working with, instead of having weird numbers because it's dividing by 12 months on the 3rd month, for example. By the end of the year, your average will be for 12 months.
What if I want to track expenses, income, and transfers from multiple accounts?
Great video. Even as someone who is not that good with excel it worked out in the end. Thanks so much
The link to download "Finance Tracker Excel file" for this video does not work.
Quick question for everyone using this template — would you prefer this system as a downloadable Excel sheet, or would an app version that automatically tracks everything for you feel easier to use?
Is it itnecessary to know for Junior Treasury Specialist, Credit Analyst, Risk Analythics?
Setting up dynamic category summaries with SUMIF makes the whole tracker feel alive — instead of scrolling through rows of data, you instantly see spending by category update the moment you add a new transaction. The real unlock is pairing that with a monthly trend chart so you catch patterns over time rather than just reviewing one month in isolation. Optivise grew out of exactly this need, so instead of rebuilding that logic from scratch, the AI inside your workbook handles the structure and analysis automatically.
Zero pivot tables is honestly the selling point for me. The SUMIFS breakdown by month and category makes sense once you see the locking with F4. I’ve tried building something similar alongside Quicken before and always overcomplicated it, so this cleaner structure helps.
Sir I think Average of Total Income will be 4,794 instead of 111,012/ if i am not wrong
Hello sir, I prepared an Excel workbook along with the video. It was detailed and well-organized.
Thanks bro, how can we insert these charts into this sheet?
Hi there, just to let you known that the excel you download has the averagfe column wrongly calculated and also incorporates the Total Value
Nice job! I suggest a similar Investment tracker for a next video
please let me know AVG= 83,450 (and rest AVG Values) are correct? @kenji
Kenji everything was great thanks for detailed explanation
are you aware the average for the income table was calculated incorrectly?
Great tracker!! Thanks
Amazing tracker!
AVERAGE COLUMN should be. =AVERAGEIF($C13:$N13,"<>0") for rows 13 – 47
When you have zero values, i.e. Travel, May & June, the Average for Travel is wrong.
If you delete all the transactions and start over for 2026, there will be zero value in all months. The average column will not give you the correct amount.
You can use the INDIRECT formula in the Data Validation menu for the categories to reference another table. This way, if you update the categories' source table, the data validation list updates dynamically. In this case, it’s not the most useful approach because it still requires some additional tweaking if you want to change categories, but it can be a helpful technique to know for the future. I use it all the time
I’ve just had to switch to Google Sheets. Any differences I should know if I’m trying to do this in Google vs Microsoft?
I never can download the files, just spools and spools…………
There is an error for AVG after you used CTRL+D, right? For the table of Income, the avg calculated does not seem to be correct. Thank You!
SUPERB🥳🥳
Thanks for this content, I've working on something similar, it took me a lot more time to figure things out, this makes an awesome tutorial for someone who's just starting and can ne adapted to a vast majority of projects, this is really helpful for the community
thanks for template