Checkbook Register Spreadsheet, Bank Account Tracker and Daily Transaction Log, Simple Income and Expense Tracker, Google Sheets Excel

A checkbook register that works like the paper one and does the math for you: a running balance on every line, a tick for what has cleared at the bank, a warning before your balance drops too low, and a check against your bank statement to the cent.

🔗 TRY THE LIVE DEMO before you buy (view only, nothing to install): https://docs.google.com/spreadsheets/d/1fYBw1kuI7X2Aoe5vAK917woZqzQXcL-6Nmrju9I_uAs/edit?gid=1379083332

📊 WHAT IT DOES

✓ Register: one line for every payment and deposit, with the date, description, category, type and check number. The balance runs down the page by itself.
✓ Tick Cleared when the line shows up at your bank. Balance today, the cleared balance and what has not cleared yet add up by themselves.
✓ The check flags checks nobody has cashed after 10 days, a check number typed twice, and scheduled lines that would take you below your floor.
✓ Reconcile: type your statement date and ending balance. Bank balance, plus what has not cleared, should equal your register, and it tells you Balanced or Off by.
✓ A list of every line that has not cleared up to the statement date, with how long it has been waiting.
✓ Months: deposits, payments, net and month-end balance for any month, your payments by category, and the year month by month.
✓ Three charts: your balance day by day against your floor, deposits and payments month by month, and payments by category.

📂 WHAT'S INSIDE: 4 TABS AND 3 CHARTS

✓ Start here: your account, its balance on a date, and the floor to warn you at
✓ Register: four cards and every payment and deposit
✓ Reconcile: four cards, your statement and what has not cleared
✓ Months: four cards, the year month by month and payments by category

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, add your account name, its balance on a date and the lowest balance you want to keep.
3. On Register, add every payment and deposit as it happens, and tick Cleared when your bank shows it.
4. When your statement comes, open Reconcile and type its date and ending balance.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac
✓ A filled example to look around, and a blank copy for your own account
✓ A PDF guide with screenshots, the links and the first steps
✓ A video guide for this spreadsheet (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No app, no ads, no subscription.
✓ Room for 200 lines per file. One file per account: make a copy for savings or a second checking account.
✓ Add upcoming bills with their future date to see where your balance is heading.
✓ Formulas are protected, so you can't break anything by accident.
✓ Set it up on a computer in a few minutes. After that, the Google Sheets app works for quick entries on your phone.
✓ The photos show Google Sheets. The Excel file has the same tabs and formulas.
✓ Free updates for life.

This is a digital download, so nothing is shipped. If anything is unclear after you buy, message me and I'll help you set it up.