My Money Planner Update / How I track my expenses 2.0

I have been tracking my expenses since 2014 and recently switched from a Google Sheets template to a Google Sheets spreadsheet I stumbled upon on the blog Frugalisten.

My Money Planner in Google Sheets
My Money Planner in Google Sheets

Oliver is the author of Frugalisten and his spreadsheet made me want to switch things up. I amended his version slightly and can only highly recommend you to check out the original.

BTW: You can translate his content automatically with your browser! šŸ™‚

If you want to use my version of the spreadsheet, please open the below link and go to VIEW -> MAKE A COPY. Please do not request edit access as this is a public version.

My Money Planner

The structure

My money planner is structured in 3 tabs:

2020 – This tab contains all my expenses for the year, broken down into categories and includes metrics such as my saving rate in % per month and per year.

Budget – This tab is my budget tab. At the beginning of every month I look at it and calculate how much I expect to spend. Monthly expenses occur pretty much every month while annual/biannual expenses only several times per year.

The “Budget” tab

Expenses – At the end of every month I fill in this tab. This tab lists all the stuff that I’ve purchased in any given month. Please note, I won’t list purchases such as toothpaste, soap or cleaning sponges.

This tab is solely reserved for purchases that can’t be “used up” such as a electronic items, household goods (fridge, pan, spoon, etc.), clothing .. I think you get the idea. šŸ™‚

My favorite features

Now onto the features that I enjoy most about this particular Google Sheet.

My Money Planner in Google Sheets
My Money Planner in Google Sheets

Savings & Savings rate

This spreadsheet calculates my monthly savings (= income – expenses) in numbers and in % automatically. I aim for a savings rate of at least 50% per month and this feature helps me to stay on track (and also shows me when I’ve missed my goal).

Total & Average

The spreadsheet shows me the following data under Total & Averages:

  • Total expenses
  • Total income
  • Average income
  • Total income
  • Total savings
  • Average savings
  • Savings rate

This feature is going to be especially interesting when the spreadsheet contains a year of data.

Color scheme

I went for a light green and rose color scheme and you can amend it to your wishes. I did choose to highlight “Groceries” because this is an expense that I like to keep a close eye on.

That was it for my tour through my new Google Sheet with which I track my expenses. Please note, all the numbers stated are just fillers and do not reflect my actual income nor spending. šŸ˜‰ If you are familiar with my Berlin budget you have an idea of where my money goes to each month.

If you have any suggestions or need help with amending the spreadsheet to your liking, then please comment down below and I’ll get back to you. šŸ™‚



  1. Karina
    August 30, 2020 / 9:09 PM

    Thank you for sharing! I hope you are doing well. I miss you very much on YouTube, but at least I can I still re-watch the old ones sometimes! Are you still frugal on groceries? If so, do you have any new meal/snack-tips that are budget friendly? How do you plan your meals ahead?
    Wish you a great week // Karina from Norway

    • Nina
      September 30, 2020 / 1:24 PM

      Hey Karina,

      Yes! Current favorite snacks are fresh popcorn and nachos w/ tons of veggies!
      I currently don’t plan meals ahead as I am working from home.

      I always have a few ideas of what I want to cook/make the following week
      and shop accordingly. I make sure to have enough food for 1 week in the fridge
      without needing to go shopping more than once per week.

      I then use what’s in my fridge in order of shelf life. F.e. I tend to use spinach faster
      then f.e. potatoes as spinach goes bad a lot quicker than potatoes and so on! šŸ™‚

      Likewise! šŸ™‚

      Much love from Berlin!

  2. Renae
    October 16, 2020 / 7:34 AM

    Hello Nina,
    I downloaded this today and I went through my banking app and added all of my income for this past year by month. I usually pay for a lot of things in cash, but I think it’s time to switch to paying with my card so that I can better keep track of my expenses. It was a really wake up call! I could see how much I had in my account at the beginning of the year and how much I’ve earned so far and also my current bank balance…. It made me sad and determined to do better. I also plan to reread “Your Money or Your Life.”
    As always thank you for your wonderful posts. I hope you and your ‘babe’ are well.
    All the best from Korea^^

    • Nina
      November 24, 2020 / 2:15 PM

      Hey Renae,

      I am glad that you’ve found it useful! Using cards over cash definitely helps with keeping track of it all a little better!
      I think what matters is that you gave it a try and started! šŸ™‚ Oh “Your money or your life” – it’s been a minute that I read it myself – what a great book!

      Much love from Berlin! šŸ™‚

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