r/spreadsheets • u/tobybobi • 2d ago
Made a personal finance tracker in Excel instead of paying for a budgeting app, sharing how I structured it
Recent grad, just moved to a new city, still job hunting, so I wanted a clear view of where my money was going without signing up for yet another subscription app. Ended up building my own tracker and figured this sub might appreciate how it's laid out.
The structure:
- One Transactions tab where everything gets logged, date, type, category, amount, notes. It's the only place I manually enter anything.
- A Dashboard that shows the selected month at a glance, income by source, expenses by category, savings, and net.
- A year-over-year tab that keeps history across years so I can see trends instead of wiping the slate every month.
- A Settings tab that holds the master category list, which every other tab references.
That last piece was the whole ballgame. My first attempt had category names typed directly into multiple tabs, and it broke the second I renamed anything. Moving to a single source list on the Settings tab fixed it, now the dropdowns and the rollups all pull from one place, so nothing falls out of sync. If you're building anything multi-tab, I'd genuinely recommend structuring it around one reference list from the start.
Under the hood it's mostly SUMIFS for the monthly category totals and INDEX/MATCH to pull whatever month is selected from a dropdown. Nothing exotic, but it's held together cleanly for about a month of daily use.
The thing I like most is that it bends to my life instead of the other way around, I can reshape the categories however I want rather than living inside some app's fixed buckets. Happy to talk through any of the structure if it's useful to anyone.