My MoneyDashboard

MY MONEY TRACKER Track it. Save it. Reach it.

Most budgets fail for the same reason: they're built for someone else's money. Dollar amounts. Categories that don't include family support. No idea what MoMo is.

MY MONEY TRACKER is built for how money actually moves in Ghana. Everything is in cedis. Your payment methods include MTN, Telecel and AT MoMo alongside cash and bank. Your expense categories include Family & Black Tax, Church and Donations — because pretending those don't exist is why the last budget didn't survive February.

It's one spreadsheet with eight sheets, and it runs on a single control: pick a month from the dropdown, and every card, table and chart on the dashboard recalculates.*No formulas to write. No pivot tables to rebuild.

What you see on the dashboard

• Income, expenses, amount saved and closing balance for the month you selected
• Every figure compared with last month — both the percentage change and last month's actual amount, so the number means something
• Your savings rate, with a clear read on whether you're on track
• Where the money went, broken down by category
• Where the money came from — salary, side hustle, business, gifts, returns
• Your top savings goal with a live progress bar and exactly how much is left to go

What's inside | Sheet | What it does | | Dashboard | Your whole month on one screen, driven by the month dropdown | | Settings | Your categories, payment methods, income and savings targets | | Income | Log every cedi that comes in | | Expenses | Log every cedi that goes out | | Savings | Every deposit, tagged to a goal | | Goals | Target, deadline and a progress bar per goal | | Monthly Summary | Every month of the year, side by side | | Monthly Review | Six honest questions to answer at month end |

What you get

• Blank edition— clean and ready for your first entry
• Demo edition — pre-filled with three months of realistic data so you can see how it works before you touch it
• Excel edition — formulas locked so you can't break them by accident
• Google Sheets edition — open, unlocked, ready to upload and share
• Setup guide— a short walkthrough that gets you running in about ten minutes, including how to clear the demo data

That's four workbooks plus the guide, in one instant download.

Who it's for The salaried worker who wants the month to stop disappearing. The freelancer with income that changes every month. Anyone saving toward something specific — an emergency fund, rent advance, a car, school fees, a trip — who wants to see the bar move.

Requirements Microsoft Excel 2016 or later, or a free Google account for Google Sheets. Works on desktop and mobile. Space for 400 entries per log sheet — around a year of daily use.

Instant download. Yours forever. No subscription, no login, no app.

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4. FEATURE BULLETS

• One dropdown runs everything — change the month, the whole dashboard follows
• Real comparisons — every metric shows the change and last month's figure
• Built in cedis, for Ghana — MoMo, black tax, church, all of it
• Goal bars that actually move — see progress, not just a target
• Two editions, four files— Excel and Google Sheets, blank and demo
• Locked formulas — type in the right places, break nothing -Month-end review built in— six questions that change next month's behaviour No subscription — buy once, use forever