Expense Tracker Spreadsheet for Google Sheets and Excel

DARK MODE EXPENSE TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

An expense tracker for anyone who wants to see exactly where their money goes, one purchase at a time. It tracks who the money went to, not just what category it was in, so a habit shows up long before a full year does.
Works whether you track alone or split spending with someone else.

📊 WHAT IT DOES

✓ Expenses: log each purchase by date, amount and merchant. The category fills in by itself from the merchant.
✓ Merchants: name each place once, with its category, and the log fills that column in for you from then on.
✓ Money back: holds work expenses, shared costs and refunds apart so they don't look like your own spending.
✓ Price watch: tracks the same item at the same place over time and flags the ones that got more expensive.
✓ Reconcile: checks the log against your bank statement once a month, account by account.
✓ Subscriptions: lists what renews automatically and prices each one by what it costs per use.
✓ Big buys: pulls out single purchases above your own threshold so they don't blend into an average month.
✓ Who spent it: splits spending between two people and shows who paid what and who owes whom.

📂 WHAT'S INSIDE: 39 TABS AND 81 CHARTS

✓ Start with these: Home, Start here, Setup, Expenses, Merchants, Income, Bills, Subscriptions
✓ Money that is not yours: Money back, Price watch, Reconcile
✓ Reading the log: Daily spend, Spending pace, Needs and wants, Who spent it, Big buys, No-spend, Leaks
✓ Periods: Week, Month, Year, Categories, Trends, Cash flow
✓ What you have and owe: Accounts, Debts, Payoff plan, Funds, Goals, Net worth, Bill calendar
✓ Keeping it going: Squeeze, Money wins, Daily routine, Check-in, Notes, Catch-up, Read me, Free gift

📝 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, fill in the shaded cells: your name, your monthly income and the thresholds for big buys and subscriptions.
3. Add each purchase on Expenses with the date, amount and merchant, and name each place once on Merchants.
4. Everything else fills in by itself. Home shows what you've spent this month, per day, and what the month is on track to end at.

📥 WHAT YOU GET

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

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.
This planner is a tool for your own records, not financial advice.