Free Monthly Money Tracker for Google Sheets and Excel
The Simple Monthly Money Tracker is the easiest way to see where your money actually goes. Type your income and expenses into the labelled cells and the running balance, category totals, and savings rate update on their own. It is completely free and works in both Google Sheets and Microsoft Excel.
What the Free Money Tracker Includes
The tracker gives you a single income-and-expense log with a small dashboard on top. You enter each amount once, choose a category, and the sheet sums your spending, subtracts it from your income, and shows what is left for the month. There is a savings-rate cell that tells you what share of your income you kept, and a simple month summary so you do not have to add anything up by hand.
How to Use the Monthly Money Tracker
Open the file in Google Sheets (File then Make a copy) or in Excel, and start with your income for the month. Then log expenses as they happen, picking a category from the list. The dashboard recalculates instantly, so by the end of the month you can see your biggest spending categories and exactly how much you saved. There is nothing to install and no formulas to write.
Start Tracking Your Money Today — Free Download
Because it is free, the money tracker is the best way to try the SheetReady style before buying anything. If you outgrow it and want budget-vs-actual columns, multiple months, or savings goals, the paid budget planner and savings tracker pick up where this leaves off. Add it on Gumroad at no cost and download it in seconds.
What's Included
- A single income and expense log — type once, categorised automatically
- Running monthly balance so you always know what is left
- Automatic savings-rate cell (what share of income you kept)
- Pre-built category totals — no SUM formulas to write yourself
- A clean month-summary dashboard at the top of the sheet
- Works in Google Sheets and Microsoft Excel with no add-ons
- Fully editable — rename categories to match how you spend
Frequently Asked Questions
Is the money tracker really free?
Yes. Add it on Gumroad at a price of $0 and download it instantly — there is no charge and no card required. You can enter your email if you would like the occasional spreadsheet tip, but it is not required to get the file.
Do I need a Google account to use it?
You need a Google account only if you want to use it in Google Sheets, where you choose File then Make a copy to get your own editable version. If you prefer Excel, open the downloaded file directly — no account needed.
Will my numbers be private?
Yes. The tracker is just a spreadsheet file that lives in your own Google Drive or on your own computer. Nothing you type is sent anywhere, and SheetReady never sees your figures.
What is the difference between this and the paid budget planner?
This free tracker logs what you actually spent. The paid Monthly Budget Planner adds a planned budget for each category, budget-vs-actual columns, and an automatic savings rate, so you can plan ahead rather than only look back.