It's Your Money Personal Finance Spreadsheets
It's Your Money offers a variety of spreadsheet downloads to manage your personal finances. Although they were created several years ago, many of these free or low-cost personal finance spreadsheets have been updated or are still applicable today for those who prefer to use Excel instead of web-based platforms or software.
Check Register Spreadsheet
The Check Register Spreadsheet can be used for all account types, not just checking, and is meant to help you track all of your account transactions and balances in one place. Get the free version with a running account balance, transaction categories, instructions, transaction types, and up 200 categories. Or, upgrade for $11.95 to get one-click sorting, the ability to reconcile the account, and more.
Freedom Account Spreadsheet
A Freedom Account, originated by Mary Hunt in "Debt-Proof Living," is a financial account used to save for expenses like medical bills, auto repairs, and annual property taxes. Deposits and withdrawals for expenses are recorded in subaccount worksheets, with the total of all sub accounts reflected in the account balance on the savings account sheet. You can download the free Freedom Account Spreadsheet, but serious budgeters need the ease-of-use in the $9.88 Freedom Account Spreadsheet.
Debt Tracker Spreadsheet
Use the free Debt Tracker Spreadsheet to really get a handle on debts such as installment loans and credit cards by keeping tabs on them in one place. You can sort your debts by balance, by interest rate, type of debt and more, as well as calculate your debt-to-income ratio and your credit card utilization percentage. The Debt Tracker Spreadsheet also charts your debt paydown progress via charts.
Price Book Spreadsheet
Keeping a price book is one of the best ways to stick to your budget by determining whether a product can be bought for less elsewhere, or whether the "sale price" is a real deal. Enter the item, date, units (ounces, for example), and price, and the Price Book Spreadsheet calculates the unit price so you can compare the cost of an item in various sizes of packaging. Building a usable price book take some time as you record sale prices or prices from shopping each week, but using the free Price Book Spreadsheet can eventually make comparison shopping much easier.
Portfolio Allocation Spreadsheet
Use this simple spreadsheet for help with rebalancing your investment portfolio. Set the percentages you want for each for each investment category and the Portfolio Allocation Spreadsheet converts these percentages to dollar amounts to equal the total portfolio value. The free Portfolio Allocation Spreadsheet shows you which investments you may need to sell a portion of and which investments may need increased representation in your portfolio. It also comes with free instructions (PDF).
Balance Sheet/Statement of Net Worth
Net worth is simply the value of all of your assets minus liabilities. While the definition of net worth is easy to explain, determining your personal or family net worth can be confusing. Use the free It's Your Money Balance Sheet/Statement of Net Worth to organize your assets and liabilities, then find out what your net worth is along with some other ratios that give you an idea of your financial stability. The free download also comes with PDF instructions.
What Else You Should Know
Be sure to read the download notes before downloading any paid versions of the spreadsheets to ensure that they'll work for you. Most of the spreadsheets require at least Excel 2007 to operate correctly and some of them don't work on Macs.