Ultimate Finance Tracker

Our site offers a free all-in-one personal finance tracker built in Google Sheets, designed to help you take control of your finances with ease. It allows you to track your budget, net worth, investments, and debt—all in a single, streamlined sheet. This tracker is specially created for two people, making it perfect for couples who want to manage their money together. However, it's fully customizable and can easily be adjusted for individual use as well. Whether you're looking to stay on top of daily spending or plan long-term financial goals, this tool brings everything together in one clear, organized place.

This tracker comes pre-filled with sample data to help you get started.
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Personalize Your Tracker
Start by renaming "Person 1" and "Person 2" to your actual names to make the sheet feel more personal and tailored to you.

📊 Net Worth Tab

This tab provides a summary of your overall financial position, based on the data entered in the Investments and Debt tabs. It breaks down total net worth by category and separates it between Person 1 and Person 2.

• A visual pie chart helps you quickly see how your assets are distributed.

• In cell R2, you can set a net worth goal, and in cell R3, track your progress toward that goal.

• You can track balances in both Euros and US Dollars, depending on your preference.

💰 Monthly Budget Tab

This tab lets you plan and track your monthly income and expenses.

• Use dropdown menus to categorize income and expenses.

• Income is summarized on the left, and expenses are shown on the right.

• In column R, you can track shared expenses and allocate the percentage each person pays, based on your specific situation.

• The Wealth Building Rate in the summary section shows how much of your income is being saved or invested. The higher the percentage, the better — try to increase this over time.

Some values in this tab (like debt repayments or investment income) are automatically pulled from the Debt and Investments tabs.

💳 Debt Tab

Track all your liabilities here:

• Select the type of debt from a dropdown and provide a description, balance, monthly payment, and interest rate.

• The tracker helps prioritize high-interest debts so you can pay them off faster.

• Monthly payment data is also linked back to the budget tab.

📈 Investments Tab

This is where you track all your investments:

• Each person can enter their investments, categorized by investment type from dropdown menus.

• You can also input monthly income from these investments, which feeds into the budget tab.

• For visual clarity, a pie chart displays your holdings in Stocks and Cryptocurrency.

Stock and crypto values are linked to Google Finance formulas. You’ll need to customize these formulas by entering your ticker symbols, number of shares, currency, and other relevant details.

How to Use the Finance Tracker