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Income and expense tracker

Sheet · Spreadsheets and calculators Free Checked: October 2026

A one-month sheet: income, expenses, the balance after every transaction and totals. Pastes into Google Sheets.

What it is

Copy the whole text, open a blank Google Sheets spreadsheet, click cell A1 and paste: the columns and formulas fall into place. Replace the sample rows with your own transactions and enter your starting balance in cell F2. The sample amounts are made-up examples. The formulas contain no argument separators, so they don't depend on your spreadsheet's language or region setting. Totals by category come from a pivot table; there's a tip in the last row.

  • Finance
  • Google Sheets
  • Tracking

Text to copy

Sheet
Date	Category	Description	Income	Expense	Balance	Document
2026-10-01	Start of month	Account balance on the 1st			5000	—
2026-10-02	Sales	Payment: Client A, project [name]	3000		=F2+D3-E3	Invoice [number]
2026-10-03	AI tools	AI assistant subscription		20	=F3+D4-E4	Receipt
2026-10-07	Advertising	Ad test, [platform]		500	=F4+D5-E5	Receipt
2026-10-10	Contractors	Design work, [contractor]		800	=F5+D6-E6	Contractor invoice
2026-10-15	Sales	Payment: Client B	1500		=F6+D7-E7	Invoice [number]
2026-10-20	Taxes	Tax payment		300	=F7+D8-E8	Payment confirmation
2026-10-25	Software and hosting	Hosting and domain		150	=F8+D9-E9	Receipt
					=F9+D10-E10	
					=F10+D11-E11	
					=F11+D12-E12	
					=F12+D13-E13	
					=F13+D14-E14	
					=F14+D15-E15	
					=F15+D16-E16	
					=F16+D17-E17	
					=F17+D18-E18	
					=F18+D19-E19	
					=F19+D20-E20	
					=F20+D21-E21	

TOTAL			=SUM(D3:D21)	=SUM(E3:E21)	=F21	
Income minus expenses			=D23-E23
Expenses as % of income			=IFERROR(ROUND(E23/D23*100))
Tip: add new transactions in the empty rows above TOTAL. Totals by category: select the table → Insert → Pivot table → rows "Category," values "Income" and "Expense."

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Checked: October 2026