Each savings goal gets a target, what you've saved and what you put in monthly; the sheet works out what's left, months to go, the projected date and whether it beats the date you wanted — plus the contribution that would hit every date. Pro adds net worth by account and type, and twelve months of snapshots with the change month by month. No macros.
Twelve goals: target, saved, per month, by-date. Left, % done with bars, months to go, projected date (EDATE), on track — green, red, or 'No contribution'. Totals, and the monthly contribution that would hit every date.
Accounts with a type from Setup; liabilities typed negative. Assets, liabilities, net worth, debt-to-assets; balance and share by type with bars.
Twelve month-end balance columns per account; assets, liabilities, net worth and change per month; 12-month and average change.
As-of date, accounts with type, types with asset or liability.
Nine formulas explained: the months and projection, the needed-per-month SUMPRODUCT, SUMIF across a row by the kind line.
Every workbook is recalculated in LibreOffice and by a second, independent formula engine on the sample data; the totals are compared with numbers worked out outside any spreadsheet, and every formula cell is scanned for errors. We don't run Excel itself on the build machine, so this says built for, not tested in — open the live preview to see the numbers the formulas produce.
What that means app by app: in Google Sheets, in Apple Numbers, in LibreOffice Calc.
The home page and its CSS — enough to publish a one-pager. A credit link stays in the footer.
Every page, the Pro-only pages, the source files, no attribution, and 12 months of updates and email support.
Use it for unlimited personal and commercial purposes, including client work.
Do not resell the spreadsheet itself, alone or in a bundle.
A savings goal has four numbers you know — target, saved, monthly contribution, the date you want it by — and three you want: what’s left, when you’ll get there, and whether that’s in time. The sheet gives the three: months to go is what’s left over the contribution, rounded up; projected is the as-of date plus those months; on track is green when projected beats the date. A goal with no contribution says “No contribution” instead of dividing by zero, and a funded one says Done.
One more number, at the bottom: the monthly contribution that would hit every date. Each
remaining amount spread over its months, added up — one SUMPRODUCT. Compare it to what you
put in now.
Net worth is the list of accounts with a balance each — liabilities typed negative — and a
type from Setup that says asset or liability, so net worth is a sum and the split is a
SUMIF. Snapshots keeps twelve months of those balances, one column per account, and works
out assets, liabilities, net worth and the month’s change; a kind line above the header lets
SUMIF split each row without a formula per account.
The build recalculates both workbooks in LibreOffice and in a second, independent engine and compares thirty-nine values — months and on-track for goals that make and miss their dates, the needed-per-month total, assets, liabilities and net worth, specific snapshot months and their change — against numbers computed outside Excel.
First release
One row per recurring payment with its amount and frequency; the sheet turns them into a monthly and yearly cost, counts the days to each next due date, and flags what's overdue and due this week. Pro lays every bill across the next twelve months so the expensive months show, and totals by category. No macros.
A monthly budget for Excel and Google Sheets with every formula visible: planned vs actual by category, red/green differences, savings rate. Pro adds a transactions log that fills the budget automatically, a twelve-month view with a chart, and a sheet explaining each formula.
An expense log for Excel and Google Sheets that totals itself: this month by category with data bars, twelve months back, and spending against the limits you set — every formula visible. Pro adds the Monthly and Limits sheets, a Setup sheet with limits, and a formulas walkthrough.