Personal Cash Flow Tracker

Know where your money stands.

Follow each account day by day, and spot a low balance before it happens.

Personal Cash Flow Tracker cover image

A month can look fine and still run short.

Bills and paychecks don’t always line up, so the tight days are easy to miss. The Personal Cash Flow Tracker follows each of your accounts day by day: what’s coming in, what’s going out, and when a balance might dip below your safety net.

  • Projects every account, every day, for a full year
  • Flags any day a balance falls below the safety net you set
  • Shows all your accounts in one view: lowest balance, ending balance and a 12-month outlook
  • Lets you type in real amounts as they happen, then check against your bank balance
A day where the checking balance dips below the safety net, shown in amber
Daily balance grid for one account

Optional debt payoff feature

Pay down debt without running short.

Compare 3 ways to pay down debt (Monthly Payments Only, Snowball and Avalanche), with payoff dates and interest for each. Before each extra payment, the tracker checks it won’t drop an account below its safety net.

Comparison of Monthly Payments Only, Snowball and Avalanche payoff dates and interest
What’s included in the Personal Cash Flow Tracker

Simple to start.

Five steps, plain language, and a filled-in Tutorial to explore first.

The Tracker

$15

Includes: Tutorial and Blank workbooks · Excel + Google Sheets · Quick Start Guide, README and Access & Links (PDFs)

Room to grow: up to 10 accounts, 50 transactions per account and 20 debts

Works in: Google Sheets · Excel 2021 or Microsoft 365 · Excel for the web (free).

Not supported: Excel 2019 or earlier, Apple Numbers.

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Ready to plan ahead?

When you want to test “what if” decisions, like a move or a new car, that’s what the Personal Cash Flow Planner is for.

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