Personal Finance OS Excel Budget Tracker – Debt, Savings, Net Worth Dashboard

Description

💰 Take Control of Your Financial Future

Stop wondering where your money went — and start telling it where to go.

Personal Finance OS is a comprehensive, fully automated financial command center built for Microsoft Excel and Google Sheets. With 12 interconnected sheets and 30,000+ formulas, it replaces 5 different apps with a single, private, one-time purchase.

No subscriptions. No cloud accounts. Your data stays yours — forever.

────────────────────────────────────────
📦 WHAT'S INCLUDED
────────────────────────────────────────

✔ Personal Finance OS (.xlsx) — macro-free, works in Excel 2016+
✔ Google Sheets version — full cloud access from any device
✔ Complete PDF User Guide (step-by-step, every feature explained)
✔ Pre-filled sample data so you can see everything working immediately

────────────────────────────────────────
📊 12 SHEETS — EVERYTHING CONNECTED
────────────────────────────────────────

💰 DASHBOARD
Your financial command center. Live KPI cards + 4 dynamic charts showing income, expenses, savings rate, and spending by category. Filter by year and account with a single dropdown.

💳 TRANSACTIONS
The data engine. Log every income and expense with smart dropdowns for category, account, and payment method. Supports up to 10,000 transactions. Everything else updates automatically.

📅 MONTHLY BUDGET
Set spending targets per category. Built-in status indicators — 🟢 On Track / 🟡 Near Limit / 🔴 Over Budget — update in real time as you log transactions.

📈 ANNUAL OVERVIEW
Full year breakdown by month. Income, expenses, net savings, savings rate, and transaction count. Best Month and Worst Month auto-detected. Switch years with one click.

🎯 SAVINGS GOALS
Track up to 20 goals simultaneously — emergency fund, vacation, down payment, and more. Progress auto-calculates from your transactions. No double entry.

💸 DEBT TRACKER
Monitor up to 15 debts. Track balances, interest rates, minimum payments, and payoff progress. Update your current balance monthly and watch the progress bars grow.

🏦 NET WORTH CALCULATOR
Assets vs. Liabilities — your complete financial picture. Cash, investments, real estate, vehicles, loans, credit cards. Net Worth calculates automatically.

💼 INVESTMENTS & DIVIDENDS
Full portfolio tracker for ETFs, stocks, REITs, and crypto. Market value, unrealized gain/loss, and annual dividend — all auto-calculated. Separate dividend log with monthly income table.

🔮 12-MONTH CASH FLOW FORECAST
Projects your cash position for the next 12 months. Base income and expenses pull automatically from your transaction history. Starting balance syncs from Net Worth. Model growth scenarios with adjustable assumption cells.

⚙️ SETUP
Customize all categories, subcategories, accounts, and payment methods.

────────────────────────────────────────
✨ WHY PERSONAL FINANCE OS?
────────────────────────────────────────

🔒 Complete Privacy — your data never leaves your device. No third-party apps, no logins.
⚡ Fully Automated — 30,000+ formulas do the work. Just enter your numbers.
📱 Multi-Platform — Excel on Windows/Mac, Google Sheets on iOS and Android.
♾️ One-Time Purchase — own the system forever. No subscription, ever.
🛡️ Macro-Free — no VBA, no security warnings. Safe to open anywhere.

────────────────────────────────────────
🚀 HOW IT WORKS — UP AND RUNNING IN 5 MINUTES
────────────────────────────────────────

1️⃣ Open SETUP → set your currency, categories, and accounts
2️⃣ Log transactions in TRANSACTIONS (smart dropdowns make it fast)
3️⃣ Set monthly budgets in MONTHLY BUDGET
4️⃣ Update NET WORTH with your balances
5️⃣ Open DASHBOARD → your complete financial picture is live

────────────────────────────────────────
❓ FAQ
────────────────────────────────────────

Does it work in Google Sheets?
Yes — upload the .xlsx to Google Drive and open with Google Sheets. All formulas and dropdowns work.

Do I need advanced Excel skills?
No. Just fill in the colored input cells. All 30,000+ formulas are pre-built and protected.

What currency does it use?
USD by default. Change the Active Currency in SETUP and every header across all sheets updates automatically.

Can I use it for multiple years?
Yes. All sheets support multi-year data with a Year Filter dropdown on the Dashboard.

Is this a subscription?
No. One-time purchase. Yours forever.

Can I customize the categories?
Yes. Add any category or subcategory in SETUP — it appears in all dropdowns automatically.

────────────────────────────────────────

⚠️ PLEASE NOTE: This is a digital download. No physical item will be shipped. Due to the nature of digital products, refunds cannot be issued after download. Please review all photos and read the FAQ before purchasing.

Questions? Message me through Etsy — I respond within 24 hours. 🙏