Take Control of Your Personal Finances

Take your personal finances to the next level with this All-In-One Excel budget spreadsheet. With the right tools, nothing can stop your from reaching your financial goals.

  • No Credit Card Required
  • User Friendly
  • Full Privacy & No Ads
  • Works Online & Offline

discipline Matters

Get Your Finances in Order

Learning the art of personal finances will help you understand and make informed decisions about your money

Expense Tracking

Get a better understanding of where your money is going and make better decisions about your spending

Budget Planning

Prioritize your expenses and avoid overspending by setting a budget based on your actual spending patterns

Cash Flow Management

See the big picture of your cash inflows and outflows and identify areas where you can reduce or optimize your finances

Net Worth Tracking

Easily keep track of your net worth to help you achieve financial stability and independence, on your terms

Mortgage Calculator

Estimate your monthly mortgage payment under various scenarios and calculate potential savings by making prepayments

Financial Projections

Run financial projections, set specific financial goals and develop a roadmap to reach those goals


Don’t Make These Money Mistakes

If you’re feeling unsure about where your money is going each month, you’re not alone! Many people struggle with managing their finances and keeping track of their spending. But don’t worry – there’s help available! With the right tools and strategies, you can take control of your finances and start feeling confident about your money.

Not having a budget can lead to overspending and financial instability, as you may not have a clear understanding of your income and expenses. Creating a budget that outlines your income and expenses will help you see where your money is going each month and identify areas where you can cut back on spending.

If you’re not keeping track of your net worth, you could be missing out on important information about your financial health. Understanding your net worth can give you a clear picture of your financial situation and help you make informed life decisions about your money.

Many people struggle with figuring out when they can retire and how much they’ll need to save to do so. But with the right planning tool and preparation, you can achieve your financial goals and retire with confidence, whether you’re 30 or 60-year old.

Money Problems

Powerfull & Easy To Use


This Personal Finance & Budget Spreadsheet is a pre-built All-In-One excel template that will supercharge your personal finances. It includes everything you need to take control of your money and reach your financial goals

Full Stack Budget Spreadsheet
Expense Tracking

Expense Tracking

Easily track your daily expenses and see where your money is going. This will help you identify areas where you can reduce your spending and save more.

  • 15 Spending Categories
  • 225 Custom Subcategories
  • Automatic Categorization
  • Unlimited transactions

Budget Planner

Control your spending and avoid overspending by keeping a budget. A budget will help you prioritize your savings and ensure that you’re setting aside enough money for your short-term and long-term financial goals.

  • Custom Monthly Budget
  • Spending Patterns
  • Budget vs Actuals Review
  • Summary Budget Report
Budget Planner
Cash Flow Management

Cash Flow Management

Start tracking the flow of money in and out of your personal finances. Make sure that you have enough money coming in to cover your expenses, without relying too much on credit or dipping into your savings.

  • 5-year Overview
  • Saving Rate Estimate
  • Monthly & Yearly Views
  • Mandatory vs Discretionary Expenses

Mortgage Calculator

A mortgage can be a significant source of stress, especially when it’s not managed properly. By managing your debt, you can reduce the amount you owe and reduce the financial stress in your life.

  • Principal vs Interest
  • Prepayment Impact
  • Total Cost of Debt
  • Amortization Schedule
Mortgage Calculator
Mortgage Calculator
Wealth Management

Wealth Management

Net worth tracking helps you understand your financial situation, including your assets, liabilities, and overall net worth. This can give you a more accurate picture of the impact of your investments on your overall portfolio and help you make adjustments to your investment strategy & allocation when necessary.

  • Up to 55 financial accounts
  • 9 Asset Classes
  • Target Portfolio Allocation
  • Weighted Average Cost

Financial Planning

Set specific financial goals, such as reducing debt, increasing savings, or building wealth, and track your progress towards those goals.

  • Set up to 10 objectives
  • 30-year projections
  • Custom Growth Parameters
  • Automatic Investments
Financial Planning
Retirement Calculator

Retirement Calculator

Planning for retirement is a crucial step towards a secure financial future. But it can be difficult to know how much you need to save and how to get there. That’s why we’ve created a comprehensive retirement calculator that can help you achieve your retirement goals with ease.

And Much More!

5 Analytic Tools

Review your spending habits under every possible angle with our five analytic views

8 Amazing Reports

Easily print and share personal finance reports with your partner, family and financial advisors

Online Knowledge Base

Get access to an online knowledge database to help you use the spreadsheet like a pro


Use the custom sheet to add features & calculations and tailor the spreadsheet to your specific needs

Budget Spreadsheet Features
Personal Budget Spreadsheet Features

Ready to Excel in Your Finances?

Download our Free Personal Finance & Budget Spreadsheet today and take control of your future today

How Our Personal Finance & Budget Spreadsheet Works



Download our Personal Finance Excel Template on Disciplined Finance


Import Historical Data

Copy/past your historical transactions into the spreadsheet



Run various analyses and get an immediate overview of your finances


Plan for the future

Enjoy powerful insights that will help you plan your financial future on your terms

One Time Payment

Purchase it once, and keep it forever! No membership, plan or hidden fee!

Premium Support

If you have any questions about the spreadsheet, get in touch and we will assist you in no time

Free Updates. Forever

We update our spreadsheet frequently based on users’ feedback and requests


Free forever. Powerful Upgrade AVAILABLE.

Light Version

  • Up to 4 Categories
  • Up to 20 Subcategories
  • Automatic Categorization
  • Budget Planning
  • Mortgage Calculator
  • Account Balances
  • Net Worth Tracker
  • Portfolio Management
  • 5 Analytic Views

Advanced Version
One Time

  • All in Light Version Plus:
  • Up to 15 Categories
  • Up to 225 Subcategories
  • 30-year Forecasts
  • Retirement Analysis
  • 8 Summary Reports
  • Custom Sheet
  • Unlimited Updates
  • Priority Customer Support

Take Control of Your Finances Today and Start Planning For Tomorrow


Don’t Just Take Our Word For It

Common Questions

Absolutely, we made our spreadsheet as user friendly as possible. The great thing with pre-built templates is that you don’t need to know how they work to use them and benefit from them.

Our Budget & Personal Finance Spreadsheet works with Microsoft Excel (2013 or newer). It is not compatible with Google Sheets nor Apple Numbers unfortunately, due to the limited capabilities of these apps.

The spreadsheet works both on Mac and Windows computers so we’ve got you covered!

There are several reasons why you might prefer to use an Excel spreadsheet over an online app to manage your personal finances, including:

  1. Customization: Our Excel spreadsheet allows for a higher degree of customization, making it easier to track the specific information that is important to you and your financial situation. You can create customized formulas and calculations to better analyze your financial data.
  2. Control: With our Personal Finance Excel spreadsheet, you have complete control over your data and the way it is stored. This can be especially important if you have sensitive financial information that you prefer not to store online. Also, because we don’t store any of your data, we don’t sell it either! So no ads, no targeted phone calls, just a peace of mind!
  3. Cost: Our excel template is offered for a one-time fee, whereas online personal finance apps usually have a monthly or annual recurring fee. For those on a tight budget, an Excel spreadsheet is definitely a more cost-effective solution.
  4. Access: With our budget spreadsheet, you can access and make changes to your financial data even when you don’t have an internet connection. Very useful to globetrotters that travel the world!
  5. Advanced Analysis: Online apps are great to have a quick snapshot of your finances but Excel provides advanced modeling and analysis capabilities, allowing you to perform more sophisticated financial calculations and simulations that may not be possible with an online app.

Because everyone has specific needs and requirements, we added to our template a custom sheet that users can freely adjust to tailor the spreadsheet to their needs. In this sheet, you can add additional features and calculations and link their results to other sections of our template

Get In Touch Today!

Let us know how we can help you!

We care about our users and are always happy to assist you in your personal finance journey so reach out and let us know how we can help!

About The Author


Hi there, I’m Nick Peters. Investment Banker during the day, I’m passionate about Personal Finance and financial modeling so I decided to combine both interests and create DisciplinedFinance.com to help people better handle their finances and plan for their future. This free Personal Finance & Budget spreadsheet is the result of countless hours of work, and has been built with everything you need to keep track and analyze every aspect of your finances!