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Personal Finance Spreadsheet

So, I’m a personal finance geek. I worship at the altar of Dave Ramsey and Suze Orman. I love it - it’s interesting and fun to plan. Most importantly, it’s one of the most important things you can do for yourself. Managing your money and credit is vital to your future - so the sooner you start, the better.

In the spirit of that, I did a template of my personal finance spreadsheet for a friend, and he thought it was pretty cool, so I thought I’d share it here as well. You can download a blank version here (I’ve added in some “dummy” numbers for reference).

The purpose of this model is to manage your month to month cash flow, taking into account debt amortization and savings (although no interest is applied to the savings, but that would be easy to add in). It’s pretty basic, but it’s what I’ve been using for quite a while now, and I have to say, it really works!

If you like this - please let me know! Also, if you have questions, I’d be happy to answer them. Just leave comments and I’ll reply.

One last thing - if you’d like to add something like savings account interest but can’t, let me know and I’ll work on it. It would be very cool to see this evolve into a more sophisticated tool that we can share for free.

UPDATE - Andy over at the Bofe Blog saw my spreadsheet, and raised me a savings account.  I say, download both!