Resources

How to Use This Personal Finance Tracker

Start on the Timeline tab

Enter your line items using these columns:

• Column B – Type: Income, Expense, Saving, Investment, Investment Match, or Donations 

• Column C – Description: Name of the item (e.g., "Rent," "401K") 

• Column D – Start Date: When this item begins Column E – Amount: Dollar amount per occurrence 

• Column F – Frequency: Weekly, Bi-Weekly, Monthly, Quarterly, or Annually

• Columns H–S (Jan–Dec) and U (Year-end Total) calculate automatically — don't touch them.

To add a line item: insert a new row, fill in B–F, then copy the formulas from H–V of any existing row down into it.

Update cell B1 to the year you're tracking (currently 2026) — all monthly calculations key off this.

Summary tab

Mostly a read-only dashboard, but there are two inputs here:

Gross Salary (cell K3): Enter your annual gross salary — your bi-weekly gross paycheck calculates automatically.

% Commit (column F): Enter your target percentage for each category (Donations, Expense, Investment, Saving). Column G then shows the dollar amount that target represents, and column D shows your actual % so far for comparison.

Everything else on this tab — Total Net Income, Year-end Totals, % Actual — pulls automatically from the Timeline tab.

Reference tab

Lookup table only — don't edit. It's what makes the Frequency dropdown (Weekly, Bi-Weekly, etc.) work correctly.