Savings Tracker Spreadsheet for Google Sheets and Excel

SAVINGS TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

A savings tracker spreadsheet for anyone saving toward more than one goal at a time. It shows the date each goal actually reaches its number at your current pace, and what your accounts and savings rate add up to.

📊 WHAT IT DOES

✓ Rates: shows what each account earns, based on the rate in its own name, and what inflation takes from it.
✓ Runway: turns your safety net into months of living costs, not just a dollar amount.
✓ Savings rate: shows what share of your income actually stayed, not just the balance.
✓ On track and Forecast: shows the date each goal reaches its number at your current pace, and what would pull a late one back.
✓ Reconcile: compares your goals with your bank balance and shows the gap between them.
✓ Compounding: shows what the same money grows into over time, at the rate your accounts actually pay.
✓ Automation: shows which goals are funded by a standing transfer and which rely on you remembering.
✓ Setbacks: prices every dip out of savings in months, not dollars.
✓ Milestones and Timeline: shows which goals hit a round number, and which month ahead is the heaviest.

📂 WHAT'S INSIDE: 38 TABS AND 79 CHARTS

✓ Start with these: Home, Start here, Setup, Goals, Deposits, Dips, Income, Cost of living
✓ Where the month stands: Savings rate, This month, Automation, Split
✓ Dates and the pace: On track, Forecast, Coming up, Timeline, Finish line
✓ Where the money sits: Accounts, Reconcile, Rates, Compounding
✓ When life happens: Runway, Setbacks
✓ The year: Months, Year, Categories, Milestones, Streak
✓ Deciding: What if, Windfalls, Trade-offs, Challenges, Starter goals
✓ Keeping it going: 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, household size, and the settings for your savings goal, big dips, inflation and account rates.
3. Add every goal once on Goals, with its target, date and monthly transfer. Log deposits and dips as they happen.
4. Everything else fills in by itself. Home shows what's saved, your savings rate, and which dates this pace misses.

📥 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.