Spreadsheet Trackers
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Spreadsheet Trackers

Five trackers for your money, a year's budget, habits, reading and goals. Each is one .xlsx file you type into, and each comes with an Example copy already filled in, so you see every chart before you start.

Choose a tracker Buying coming soon
Format
.xlsx, no macros, no add-ons
Tested in
Microsoft 365 Excel and LibreOffice Calc
Two copies
A blank one to use, and an Example to learn from
Currency
Any: you set the symbol once
Checked
Every formula recalculated with no errors in both
Money Tracker - Example.xlsxAnnual Budget Planner - Example.xlsxHabit Tracker - Example.xlsxReading Tracker - Example.xlsxGoals Tracker - Example.xlsx Dashboard: Dec 2025Annual Dashboard, Debt SnowballOctober 2025Dashboard, LibraryDashboard, 30 Sep 2025
Income$4,859Budget $5,260
Expenses$3,455Budget $3,525
Saved$1,404Income minus expenses
Savings rate29%Share of income kept
Category Budget Spent Left Progress
Rent1,450.001,450.00-████████
Groceries520.00396.12123.88██████░░
Eating out220.00294.86-74.86████████
Transport180.00132.5447.46██████░░
Utilities160.00192.88-32.88████████
Phone & internet75.0074.990.01████████
Subscriptions70.0066.483.52████████
Insurance130.00128.401.60████████
Health80.00-80.00░░░░░░░░
Shopping200.00346.69-146.69████████
Income$64,800Planned $66,000
Spent$36,454Bills and expenses
Saved$10,200Savings rate 16%
Left over$10,386After debt payments: $7,760 paid
Plan vs actual Planned Actual Difference Progress
Income66,00064,800-1,200████████
Bills22,08022,424-344████████
Expenses16,60014,0312,569███████░
Savings10,20010,200-████████
Debt payments7,5607,760-200████████
Debt snowball Balance APR Minimum Order
Store card64026.9%301
Personal loan2,10011.5%852
Credit card3,20022.9%953
Car loan9,8006.4%2804
Student loan14,5004.5%1505
Debt-free in 42 months (June 2028), paying 200 extra a month
Habit 1 2 3 4 5 6 7 8 9 10 11 12 13 14 Done Goal Streak Best
Drink 2 litres of waterxxxx✓✓xxX✓xx1x29311555
Read 20 minutesxxxxxxxxx✓xx2222522
Workout✓Xxxxxxx✔x151827
Meditate 10 minutesxxxxxxxxXx2022410
No phone after 10pmxxxx✓xXxx1x2027012
Walk 8,000 stepsxXx✓xxxXxx✓242238
Journal✓xxxxxxX171325
Practice Spanish1xxxxx✓xxx202218
Books finished30 of 30Goal reached!
Pages read10,200In finished books
Average rating4.0 ★Out of 5
Days per book8Average, start to finish
Title Author Genre Status Progress Rating
The Hollow BellCéline ArnaudFantasyFinished██████████★★★★☆
Focus in a Loud WorldJon AchterbergSelf-helpFinished██████████★★☆☆☆
The Orchard at NightMara EllisonLiterary fictionFinished██████████★★★★☆
The Map of Lost RiversTomas ReyesMystery & thrillerReading█████░░░░░
Children of the Long DarkOwen MarshScience fictionReading██░░░░░░░░
A Year of Slow BreadHanna WeissBiography & memoirReading████████░░
The Endless CorridorVictor HaleHorrorDid Not Finish███░░░░░░░★★☆☆☆
Goals set10Out of 12 slots
Average progress62%Milestones done / listed
Milestones done31 of 48Across every goal
Goals done13 on track, 4 behind
Goal Area Target Progress Status Next milestone
Run a half marathonHealth12 Oct 2025██████████░░BehindRace day: 21.1 km
Save a 6-month emergency fundMoney31 Dec 2025██████████░░On trackReach 6 months of expenses
Read 30 booksLearning31 Dec 2025██████████░░On trackFinish 30 books
Learn conversational SpanishLearning15 Dec 2025█████░░░░░░░BehindFirst 15-minute conversation class
Get promoted to senior designerCareer31 Dec 2025███████░░░░░BehindPortfolio of 3 case studies
Pay off the credit cardMoney31 Aug 2025████████████Done-
Weekly date nightRelationships31 Dec 2025██████████░░On track45 date nights
Declutter the whole houseHome30 Jun 2025█████░░░░░░░OverdueGarage
Values from the Example copies after recalculation: Dec 2025 in the Money Tracker, the first 10 of its 15 categories, the first 14 days of October in the Habit Tracker, and the first 8 goals. The names, books and amounts in the Example copies are made up.

What it does

  • Type a transaction, see the month

    Add a row in Transactions. The dashboard, the monthly summary and every category's budget bar update for the month you pick.

    Money Tracker

  • A year of budgets in one file

    Twelve monthly sheets, planned against actual: income, bills, expenses, savings and debt payments, rolled up into one annual dashboard.

    Annual Budget Planner

  • A debt snowball that does the sums

    List up to 15 debts with balance, rate and minimum. It puts the smallest balance first and shows the month you are debt-free: June 2028 in the Example.

    Annual Budget Planner

  • Streaks that count themselves

    Mark a day with x, 1 or ✓. Done, goal, current streak and best streak fill in, and a streak carries on across months.

    Habit Tracker

  • A reading goal, pages and stars

    Set a goal for the year and log your current page. Each book gets a progress bar, ratings show as stars, and the dashboard counts books per month.

    Reading Tracker

  • Goals broken into milestones

    Up to 12 goals with 5 milestones each. Type the date you finish a milestone and the goal's progress, status and next step update, with quarterly check-ins.

    Goals Tracker

The trackers

  • Money Tracker

    6 sheets

    • Transactions: 1,500 rows of date, category, amount and account
    • Dashboard with a month picker: income, expenses, saved, savings rate
    • Budget against actual for every category, with progress bars
    • Monthly summary and savings goals
    Coming soon

  • Annual Budget Planner

    20 sheets

    • Twelve monthly budgets and an annual dashboard
    • Bills and subscriptions, with a payment calendar
    • Debt snowball for up to 15 debts
    • 10 sinking funds and a net-worth tracker
    Coming soon

  • Habit Tracker

    15 sheets

    • Up to 20 habits, each with a weekly target
    • A grid for every month, with your weekend shaded: Sat-Sun, Fri-Sat or Thu-Fri
    • Done, completion, current and best streak
    • Dashboard: completion by month and your best habits
    Coming soon

  • Reading Tracker

    5 sheets

    • A library of up to 500 books: status, dates, current page and a progress bar
    • Ratings shown as stars, and a wish list of up to 200 books
    • Dashboard: books against your goal, pages, books per month
    • Your own genre and format lists
    Coming soon

  • Goals Tracker

    5 sheets

    • Up to 12 goals, each with its area and why
    • 5 milestones per goal, each with a due date
    • Quarterly check-ins
    • A dashboard of progress across your goals
    Coming soon

  • Life OS bundle

    All five

    • Money, Annual Budget, Habit, Reading and Goals
    • Each with its blank and Example copies
    • One How to use guide for each tracker
    Coming soon

Before you buy

Tested in
Microsoft 365 Excel for Windows and LibreOffice Calc. No macros, add-ons or internet needed. Excel for Mac, Excel on the web and Google Sheets are not tested.
Two copies
Every tracker comes blank, ready to use, and as an Example filled with made-up data so every chart has something to show.
Typing
You type only in the cream cells; everything else is worked out by formulas.
Currency
Type your currency symbol once in Settings.
Support
30 days from purchase if a file will not open. Customisation is not included.
Licence
Personal use by the buyer. No resale, sharing, or republishing as a template.