A no-macro spreadsheet that shows your bank balance for every day from one payday to the next, so you can see a tight week coming before it arrives.

Most budgets tell you what you spend in a month. This planner also shows when the money leaves your account. Enter your pay, bills, everyday spending budgets and savings pots once, and it builds a day-by-day forecast of your balance up to your next payday.

Features

- Day-by-day forecast: running balance for each day of the pay period (up to 35 days), with money in, bills out, daily spending and savings transfers.

- Low-balance warnings: days that drop below the warning level you choose are highlighted, and days below zero are flagged "Overdrawn!".

- Dashboard: monthly summary (income, bills, spending, savings, left over), pay period totals, lowest projected balance and the date it happens.

- Savings pots: up to 6 goals with target, monthly contribution, progress and months to go.

- Flexible pay schedules: monthly, four-weekly, fortnightly or weekly pay, plus an optional next-payday override for weekends and holidays.

- Room for your numbers: up to 6 income sources, 15 bills and 10 spending categories.

- Hard to break: you type only in the light yellow cells. Formula cells are locked, with no password, so you can unlock them if you want to change the layout.

- Any currency: amounts have no currency symbol.

- No macros, add-ins or sign-up needed.

What's included

- Everyday_Money_Cash_Flow_Planner_BLANK.xlsx: the empty planner, ready for your own numbers.

- Everyday_Money_Cash_Flow_Planner_EXAMPLE.xlsx: the same planner filled with fictional figures, so you can see how it works.

- Quick_Start_Guide.pdf: a 2-page setup guide for Excel and Google Sheets.

Compatibility

- Microsoft Excel 2010 or later (Windows and Mac). The file is a standard .xlsx.

- Google Sheets: upload the file, then choose File > Save as Google Sheets. All formulas use standard functions that Google Sheets supports. Sheet protection and the progress bars on the Dashboard may not carry over to Google Sheets.

- LibreOffice Calc: the formulas were checked in LibreOffice Calc.

- This is a digital download. Nothing physical is shipped.

This planner is a budgeting aid, not financial advice. Figures are estimates based on what you enter. Screenshots show fictional example data.