{"product_id":"budget-spreadsheet-dashboard","title":"Ultimate Budget Dashboard Spreadsheet","description":"\u003cp\u003eThis budget spreadsheet turns one list of transactions into a full year of answers. Type each purchase and paycheck once, and a single dashboard shows what came in, what went out, where it went, what you saved and whether you stayed on budget, for the whole year or any month you pick.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eThe dashboard\u003c\/h2\u003e\u003cp\u003eNothing on the dashboard is typed. It fills itself from your transactions and redraws when you choose a different month.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eFive live cards: money in, money out, saved, left over and savings rate\u003c\/li\u003e\n\u003cli\u003eThe change against last month on every card, shown as an up or down arrow in green or red\u003c\/li\u003e\n\u003cli\u003eA twelve-month mini chart in every card, with the month you picked highlighted\u003c\/li\u003e\n\u003cli\u003eCash flow: income against spending for every month, with a running total\u003c\/li\u003e\n\u003cli\u003eWhere it went: spending by group, with each share as a percentage\u003c\/li\u003e\n\u003cli\u003eBudget against actual for every group, turning red when you go over\u003c\/li\u003e\n\u003cli\u003eA daily heat map of the month, shaded by how much you spent each day\u003c\/li\u003e\n\u003cli\u003eYour top five categories, savings goals, debts, net worth and the 50\/30\/20 split\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eTwenty-eight connected tabs\u003c\/h2\u003e\u003cp\u003eEvery tab reads from the same transactions, so you never copy a number from one place to another.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eTransactions:\u003c\/strong\u003e 2,000 rows and the single source of truth for everything else\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome:\u003c\/strong\u003e every paycheck, on weekly, bi-weekly, semi-monthly or monthly cycles\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRecurring and Bill Calendar:\u003c\/strong\u003e the bills that repeat, and all twelve months showing what is due on which day\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccounts:\u003c\/strong\u003e checking, savings, cards, cash and investments, with balances\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eJanuary to December:\u003c\/strong\u003e budget against actual against variance for every category, so you can start in any month\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAnnual Summary:\u003c\/strong\u003e forty categories by twelve months on a single page\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003ePlan ahead and build savings\u003c\/h2\u003e\u003cp\u003eBeyond the monthly budget tracker, the workbook covers the longer-term side of your money.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e50\/30\/20: needs, wants and savings against the rule of thumb, every month\u003c\/li\u003e\n\u003cli\u003eExpense Breakdown by group and by category for the year\u003c\/li\u003e\n\u003cli\u003eSinking Funds for once-a-year bills, saved for monthly\u003c\/li\u003e\n\u003cli\u003eDebt payoff with the snowball or avalanche method: pick one and the payoff order calculates itself\u003c\/li\u003e\n\u003cli\u003eSavings Goals with the target, the amount saved and the month you reach it\u003c\/li\u003e\n\u003cli\u003eNet Worth, what you own less what you owe, tracked monthly\u003c\/li\u003e\n\u003cli\u003eA No-Spend Challenge to tick off the days you spent nothing\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eLight and dark editions\u003c\/h2\u003e\u003cp\u003eEvery download includes a light edition and a dark mode budget edition. Every tab is restyled, not just the dashboard, and both use the same formulas. Each comes filled with a worked example and as a blank copy, in Excel and as a Google Sheets budget.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo macros, no add-ins, no subscription and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eLight edition: the Excel workbook filled with a worked example, and a blank one\u003c\/li\u003e\n\u003cli\u003eDark edition: the same two files in the dark design\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, with one-click links to the Google Sheets versions (light and dark, filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYour files are ready to download as soon as payment clears. The template is for your own household. Please do not share or resell the files. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eDo I need Excel, or can I use Google Sheets?\u003c\/h3\u003e\u003cp\u003eEither. The download includes Excel workbooks for Excel 2016 or later on Windows and Mac, and the instruction guide has one-click links to make your own copy in Google Sheets with a free Google account.\u003c\/p\u003e\u003ch3\u003eDo I have to start in January?\u003c\/h3\u003e\u003cp\u003eNo. Each month has its own tab and the dashboard reads whatever you have entered, so you can start budgeting in any month.\u003c\/p\u003e\u003ch3\u003eCan I track more than one income?\u003c\/h3\u003e\u003cp\u003eYes. The Income tab takes every paycheck and handles weekly, bi-weekly, semi-monthly and monthly pay cycles.\u003c\/p\u003e\u003ch3\u003eCan I rename the categories?\u003c\/h3\u003e\u003cp\u003eYes. The Setup tab holds your categories and currency, and the rest of the workbook follows your names.\u003c\/p\u003e\u003ch3\u003eWhat is the difference between the light and dark editions?\u003c\/h3\u003e\u003cp\u003eOnly the look. Both have the same 28 tabs and the same formulas, and both are included in every download.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597853065310,"sku":"OPX-002","price":29.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/budget-spreadsheet-dashboard-01.jpg?v=1790831009","url":"https:\/\/opxviashop.com\/products\/budget-spreadsheet-dashboard","provider":"OPXVIA","version":"1.0","type":"link"}