Finance trackers

Finance Trackers and Worksheets

Money is easier to manage when it is written down. These trackers cover the household side (budgets, bills, debts, savings and net worth) and the small business side (expenses, cash flow, profit and loss, break-even and tax paperwork). The Excel versions add up columns, work out interest and balances, and show where you stand each month.

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Monthly Budget Planner

A monthly budget is a plan for where the money goes before the month starts, and a record of where it went after.

Monthly Bill Tracker

Late fees are the most avoidable expense there is. A bill tracker on the fridge or in the budget binder lists everything due this month, the day it is due and whether it is on autopay, and gives you a box to tick.

Expense Tracker

Nobody overspends on the mortgage; the money goes in forty small decisions a week that nobody writes down.

Savings Goal Tracker

A savings goal without a date is a wish, and a date without a monthly number is a guess.

Debt Payoff Tracker

Paying off debt is mostly a sequencing problem: which balance gets the extra money this month, and how do you keep going when the first one is gone.

Credit Card Payoff Planner

A credit card balance paid at the minimum takes years and costs more in interest than the purchases did.

Loan Amortization Schedule

An amortization schedule shows, payment by payment, how much of each installment goes to interest and how much pays down the loan.

Net Worth Worksheet

Net worth is one number: everything you own minus everything you owe.

Business Expense Tracker

Every deductible expense you forget to record is money handed to the IRS.

Petty Cash Log

A petty cash log is the running account of a small cash float: what went in, what came out, who took it and what for, with a balance after every line.

Mileage Log Template

The IRS, HMRC and the CRA all accept a mileage deduction only with a contemporaneous log: date, where you went, why, and the miles.

Cash Flow Planner

Profit is an opinion; cash is a fact. A business can be profitable on paper and unable to make payroll in March because customers pay in April.

Profit and Loss Worksheet

A profit and loss statement answers the only question that matters at year end: after everything the business took in and everything it spent, what was left?

Break-Even Worksheet

Break-even is the point where sales cover every cost and the next sale is profit.

Home Office Deduction Worksheet

The home office deduction is one of the most valuable deductions available to the self-employed and one of the most skipped, because people assume it is complicated or an audit flag.

Tax Document Checklist

Most of the stress of tax season is the hunt: the 1099 that went to an old address, the daycare receipt, the property tax bill, the number from last year's return that this year's software wants.

Donation Receipt and Log

A donor who gives $250 or more cannot deduct the gift without a written acknowledgment from the charity that says what was given and whether anything was received in return.

Health Insurance Comparison Worksheet

Health plans are built to be hard to compare: a low premium with a high deductible, a high premium with low copays, three networks and four drug tiers.

Household money

Start with the monthly budget planner to plan income and spending, and the bill tracker so nothing is paid late. Track day-to-day spending on the expense tracker. If you carry debt, the debt payoff tracker and credit card payoff planner show how extra payments shorten the time and cut interest; the loan amortization schedule does the same for a car loan or mortgage. Once a year, update the net worth worksheet. More detailed budgets are on the budget planners page.

Small business finances

Record every cost on the business expense tracker, small cash spending on the petty cash log and business driving on the mileage log. The cash flow planner warns of tight months ahead, the profit and loss worksheet shows whether the business made money, and the break-even worksheet shows how many sales you need to cover costs.

Tax time

Gather everything with the tax document checklist, work out the home office deduction on the worksheet, and keep a donation log through the year. The worksheets follow common US rules but are not tax or financial advice; check the current rules or ask a tax professional.

Related categories

Budget Planners Business Forms Office Calendars HR Forms

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