EMCS Monthly & Yearly Budget / Income / Savings / Expenses Tracker (Excel)
 
A one-time purchase Excel budget system for Windows that tracks your income, expenses, and savings month-by-month and rolls everything into a clear yearly view—no subscriptions, no macros, you stay in control.
 
Own your budget in Excel — If you’re tired of juggling budgeting apps, subscriptions, and locked-down tools, this workbook is for you.
 
The EMCS Budget Tracker – Income / Savings / Expenses (Excel) is a premium, one-time purchase for people who want a serious, Excel-native budget system they can understand, customize, and keep using year after year.
 
You stay in Excel. You stay in control.
 
How it works:
 
The workflow is simple and repeatable:
 
Set your year and current month once.
Tell the workbook which year you’re working in and which month you’re starting from.
Log all income and expenses on a single Transactions sheet.
Every paycheck, bill, grocery run, and transfer goes in one place with date, category, and amount.
Review your Monthly Budget Summary.
See planned vs. actual income and expenses, plus net result for the month in one clean view.
Track your Savings over time.
A dedicated Savings Tracker shows how your net position is changing month by month.
See the big picture in the Annual Category View.
At any point in the year, see total income and spending by category across the whole year.
Archive each year cleanly.
When the year is done, archive it and roll forward without breaking formulas or rebuilding the file from scratch.
 
No macros. No add-ins. No online account required.
 
Key features:
 
Single Transactions sheet
Capture all income and expenses in one structured table.
Use categories and notes that make sense to you, not what an app forces.
Monthly Budget Summary
Compare planned vs. actual income and expenses for each month.
Quickly see whether you’re on track, over-spending, or under-spending.
Savings Tracker
Watch your net result (income minus expenses) accumulate through the year.
See at a glance if you’re actually moving ahead or just treading water.
Annual Category View
Roll up the entire year’s activity by category (for the year you set).
Answer questions like “How much did I really spend on groceries / subscriptions / side-hustle costs this year?” without building your own pivot tables.
Recurring Items Planner
Plan recurring income (paychecks, benefits, etc.) and recurring expenses (rent, utilities, subscriptions).
Use it as a forecasting tool to see what your year looks like before it happens.
Archive-friendly design
Built to be copied and filed away at year-end, so you can keep clean “2025”, “2026”, etc. workbooks.
Keeps your history intact without turning your current file into a bloated mess.
Excel-native, formula-only
 
No VBA, no macros, no external plug-ins.
Transparent formulas you can inspect, tweak, and extend as your needs grow.
 
What you get (two workbooks + Readme):
 
Your purchase includes two Excel files:
 
EMCS Budget Tracker – Demo workbook
Fully populated with realistic sample data.
Ideal for exploring the layout, testing scenarios, and learning how everything ties together.
Safe to play with, break, and experiment on.
 
EMCS Budget Tracker – Blank template
Same structure, but with the sample data removed.
Ready for your real income, expenses, and savings from day one.
Designed to become your “live” budgeting file going forward.
 
Both workbooks include:
A README / How-To tab explaining setup, monthly routines, and best practices.
Clearly labeled sheets and inputs, so you don’t have to guess where anything goes.
A separate word doc Readme. 
 
Is this the right budget tracker for you?
 
This is a great fit if you:
 
Prefer Excel over apps and like seeing exactly how the math works.
Don’t want to link your bank accounts to a third-party service just to track a budget.
Are willing to enter or paste your transactions in exchange for full control and privacy.
Want a system you can customize (categories, notes, minor layout tweaks) instead of a locked template.
Care about having a consistent workflow you can reuse year after year.
 
This is probably not for you if you:
 
Want automatic bank syncing and a mobile-first experience.
Never use spreadsheets and don’t want to learn even basic Excel.
Only want a super-minimal “one-page” budget without savings or annual views.
 
Requirements:
 
To use this workbook as designed, you’ll need:
 
Microsoft Excel 2013 or later on Windows PC
Built and tested for Excel 2013 and newer desktop versions on Windows.
Basic Excel comfort
You should know how to open/save files, enter data in tables, and do simple tasks like sorting, filtering, and copying cells.
 
Local storage:
 
The file is saved and run on your own computer. There is no online service or cloud dependency.
(You can view it on mobile for light reference, but setup and serious editing should be done on a Windows desktop/laptop.)
 
License & usage:
 
Your purchase grants you a personal and/or internal business use license.
 
You may:
 
Use the workbook for your own personal finances and/or your own small business.
Make backup copies for your own use.
 
You may not:
 
Resell, redistribute, or share the workbook or any derivative templates as your own product.
Upload or distribute the file (or modified versions) on marketplaces, forums, or file-sharing sites.
If you’d like to use this workbook as part of a service you provide to clients, please contact EMCS to discuss appropriate licensing.
 
Disclaimer:
 
This workbook is a budgeting and tracking tool, not individualized financial, tax, or legal advice.
All calculations are provided in good faith, but you should verify any critical numbers before making financial decisions.
EMCS is not responsible for any decisions, gains, or losses that result from how you use this workbook.
By using this file, you agree that you are solely responsible for your own financial choices and record-keeping.