Personal Finance Excel Templates

Personal Finance – Free Excel Templates

 Microsoft Excel is an ideal tool for personal finance or budget management. The following templates can help you with understanding your financial situation and also help make sound decisions related to finance.

Personal Finance Manager

Personal Finance Manager - Free Excel Template
Personal Finance Manager – Free Excel Template


This is a simple free Excel template that focuses on making it easy for you to know what’s happening with your financial situation especially when you have multiple bank accounts, credit card accounts and cash. It also helps you set budgets and see how you are actually doing against your budget. With simple data entry, the template provides you instant access to actionable information in a consumable form that can answer key questions regarding your personal financial situation. Specifically, the template helps you in knowing the following:

  • How much money is in my different bank accounts?
  • How much do I owe on credit cards?
  • On what items am I spending my money on?
  • Am I exceeding my monthly budget? If so, in which categories?
  • How are my expenses trending over time?
  • Am I spending more on any specific expense category over time?
  • How much am I saving every month? How does that add to my net balance?

Loan Comparison and EMI Payment Calculator

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  • Loan Comparison & EMI Calculator in Excel
    Loan Comparison & EMI Calculator in Excel


    This template calculates

    • EMI
    • Total Interest paid during the duration of the loan
    • Last Payment Month
    • Number of Payments
  • It allows you to compare three different loan scenarios based on their EMI, Interest, Last Payment Month and Number of Payments.
  • You can also compare how much savings you can get if you pre-pay your loan. You can enter up to 12 pre-payments for each loan.
  • You can print the loan comparison and the detailed payment schedule (Amortization schedule).

Group Shared Expense Calculator

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Group Expense Shared Calculator - Report
Group Expense Shared Calculator – Report

This Group Shared Expense Calculator template can be used to calculate each person’s share of expenses in a group. For example, when you go on a trip with your friends where multiple people pay for shared expenses. At the end of the trip, you would need to calculate what each person owes and to whom.


  • Expenses can be split equally among all friends in a single step
  • Expenses can be split unequal among any number of friends
  • Expenses can be split unequal by % or Amount
  • Report shows all balances among friends
  • Calculates expense amounts for each friend


9 thoughts on “Personal Finance Excel Templates

  1. Hello Indzara,
    Firstly Appreciate your efforts for this amazing Sheet.
    I am new to this amazing financial planner sheet.But i was searching for any provision to add savings category type were i can record some data (Refer below Eg.) Which later should add to final monthly savings,I found it missing in sheet.
    -Emergency Fund
    -Retirement (PF, PPF, Pension, etc.)

    Let me know if already there is provision to do this.

  2. Dear Indzara,

    How can I add accounts in two different currencies? Do you currently have any option?

    Best Wishes

    1. Hello

      The currency can be one only. You can convert currency and then enter the data.


  3. Dear Indzara,

    How can I have the “Personal Finance Manager” shared with my wife’s contribution?
    Meaning how can I input both her contributions and mine all the while in reports identifying the contributions of each.
    E.i.: I contribute 40, she 60, we spend 50, then she contributes 50, me 30, we spend 40 and all the while the reports shows how much each has contributed percentage or amount.

    I hope I am clear.

    1. There are two Category and SubCategory columns. You could try using them to flag yours and wife’s transactions. Otherwise, you would create a new column in transactions. Then, you need to add that as a slicer in the dashboard.
      Best wishes.

  4. I think personal finance manager should be updated to include different currencies as many people manage investment portfolios in multiple countries. Exchange rate can be taken online and updated accordingly. If this feature is added, then the utility of this program will be better.

    1. Thank you for your suggestion. We will try to add them in our next release.

      Best wishes

  5. The windows Excel is different to the Excel for Mac 2011 update 14.6.9 and cannot open all the resources available on the Windows version. Have you created a version suitable for the Mac version of Excel above?

    1. In the blog post above, I have a link to the file that is compatible (though limited in report features) with Excel 2011 for Mac. That version doesn’t use Pivot Tables and Slicers. Hence 4 Charts are not part of that version.
      Best wishes.

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