Devon Coombs Academy
Free personal finance templates
These are 7 free Excel templates for the core personal finance routines: a monthly budget, a cash flow statement, a net worth tracker, a debt payoff planner, a savings goal tracker, a loan amortization schedule, and an investment growth projector. Each file downloads directly with no email address required, was built by a CPA and finance professor, and uses real formulas with example values you overwrite.
By Devon Coombs, CPA, MBA · Teaching Professor of Finance, Santa Clara University · Reviewed August 2026
Monthly Budget
A one-month budget worksheet that plans income, fixed expenses, variable expenses, and savings side by side with actual spending. Subtotal formulas, a 50/30/20 guideline check, and over-or-under highlighting can help show where a month drifted from the plan.
- Income, fixed, variable, and savings sections with live subtotals
- Planned vs actual columns with a favorable-or-not difference column
- 50/30/20 comparison against your planned income
- Conditional formatting that flags over-budget lines in red
Personal Cash Flow Statement
A twelve-month personal cash flow statement that records cash inflows and outflows by category, laid out the way an introductory finance course frames it. Monthly subtotals, a net cash flow line, and a cumulative row can help show whether a household is building or draining cash over the year.
- Twelve month columns plus a year total, formulas throughout
- Inflow and outflow sections with per-month subtotals
- Net cash flow line with green and red month highlighting
- Cumulative row that tracks the running position for the year
Net Worth Tracker
A net worth statement that lists liquid, invested, property, and other assets against outstanding liabilities, with the net worth line calculated for you. A quarterly tracking table with dollar and percent change columns can help show the trend rather than a single snapshot.
- Assets grouped into liquid, invested, property, and other, each subtotaled
- Liabilities section and an automatic net worth formula
- Twelve-quarter tracking table with change columns
- Notes column with valuation guidance for homes and vehicles
Debt Payoff Planner
A planner that orders up to eight debts by interest rate for the avalanche method, from a list of balances, APRs, and minimum payments. Formulas rank each debt, direct one extra monthly payment at the top priority, and estimate months to pay off, and a notes tab compares avalanche with snowball.
- Entry table for up to eight debts with monthly interest cost
- One extra-payment cell that feeds the priority debt
- Auto-sorted avalanche payoff order with payoff-month estimates
- A plain-language tab on avalanche vs snowball
Savings Goal Tracker
A tracker that holds multiple savings goals, each with a target amount, the amount saved so far, and a planned monthly contribution. Formulas estimate the months remaining for each goal, and in-cell progress bars can help show which goals are on pace.
- Ten goal rows with target, saved, and monthly plan inputs
- Still-needed and months-remaining formulas per goal
- Progress percentages with in-cell data bars
- A totals row summarizing all goals at once
Loan Amortization Schedule
A month-by-month amortization schedule for any fixed-rate loan, built from the loan amount, rate, term, and an optional extra monthly payment. Formulas fill in each payment’s interest, principal, and remaining balance, along with months to pay off, total interest, and the interest saved by paying extra.
- Inputs for loan amount, rate, term, and extra monthly payment
- A 480-row schedule covering terms up to 40 years
- Summary block with payoff months and total interest
- Interest-saved figure that updates as the extra payment changes
Investment Growth Projector
A year-by-year projection of an investment balance from a starting amount, a monthly contribution, and an assumed annual return. Formulas fill in each year’s contributions, growth, and ending balance, and a summary splits the ending balance into money put in and growth earned on top.
- Inputs for balance, monthly contribution, return, and horizon
- Forty year rows with per-year growth and ending balance
- Summary splitting contributions from compound growth
- In-cell data bars showing the balance curve
Every template ships with an instructions tab, contains no macros, and opens in Excel, Google Sheets, or Numbers.
Go deeper
The Academy's free interactive calculators cover the same math these templates use, and the Corporate Finance course teaches the concepts behind budgeting, cash flow, and debt from the ground up.