Simple Personal & Family Budget Tracker｜個人&家庭財務簡易記錄表（雙語版）

Simple Personal & Family Budget Tracker

💰 Easily Manage Your Finances – Perfect for Individuals & Small Families!

Want to track your financial status without using complicated accounting software? The Simple Personal & Family Budget Tracker is an easy-to-use, intuitive Excel template designed to help you quickly record income and expenses. Ideal for individuals and small families, this template provides a clear overview of your monthly and yearly finances. No complicated setup is needed—just open and start using it!

Product Features

📊 Full-year budget tracker: Includes 12 monthly sheets + an overview page for organized record-keeping.

🔢 Customizable currency format: Choose between whole numbers or two decimal places to match your accounting preference.

📈 Automatic calculations: Instantly see monthly balance, annual income, and total expenses.

💰 Pre-built income & expense categories: Includes a standard list with 5 customizable slots.

✅ Pivot table summary: One-click refresh to view monthly income & expense proportions.

Key Benefits

✔ Complete Annual Record – Covers an annual summary page + 12 individual monthly sheets for clear and detailed financial tracking.

✔ Smart Financial Overview – The overview page automatically calculates total income, expenses, monthly balance, and averages to provide financial insights at a glance.

✔ Flexible Currency Formatting – Select between whole numbers or two decimal places using a dropdown menu. (Google Sheets users can adjust with the "Increase/Decrease Decimal Places" buttons.)

✔ Real-Time Financial Alerts – Provides simple text notifications indicating whether income > expenses, helping users adjust their financial habits.

✔ Personal Financial Check-Up – Enter your available cash, bank savings, and liquid investments to check if they exceed your average monthly expenses—great for avoiding financial risks!

✔ Fixed Monthly Expense Reminder – Keep track of recurring expenses like rent and bills to ensure you never miss a payment.

✔ Pre-set Income & Expense Categories – Includes common categories like salary, rent, transportation, food, and entertainment, with 5 customizable fields.

✔ Built-in Pivot Table (Excel & Google Sheets) – Quickly analyze income & expense proportions (Excel users need to manually "Refresh" the pivot table, Google Sheets updates automatically.)

✔ Google Sheets Version Available – Includes a link for users to create a copy, with cloud access & automatic updates.

✔ Beginner-Friendly & Practical – No financial background needed, easy to use with simple functions!

Who is This For?

✅ Anyone looking for a simple way to manage personal & family finances.

✅ Those who don’t want complicated accounting software but still want to track income & expenses.

✅ Excel users who want to easily monitor their finances and avoid unnecessary financial stress.

What You Will Get:

✅ Excel Traditional Chinese Version (.xlsx)

✅ Excel English Version (.xlsx)

✅ Google Sheets Version (Copy Link Provided)

📖 Easy-to-Follow User Guide

💡 No additional software required—works with built-in Excel functions!

Important Notes

⚠ For personal use only – Redistribution, reselling, sharing, or uploading to other websites is strictly prohibited.

⚠ This template is designed for Excel & Google Sheets – Ensure your device supports the file format.

✨ Start managing your finances effortlessly today!

個人&家庭財務簡易記錄表 Simple Personal & Family Budget Tracker

💰 輕鬆掌握財務狀況，適合個人&小家庭！

想要簡單記錄財務狀況，但又不想使用複雜的會計軟體嗎？這款 個人&家庭財務簡易記錄表（Simple Personal & Family Budget Tracker）是一款簡單、直覺、易用的Excel模板，幫助你快速記錄收入與支出，適合個人與小家庭使用，讓你一目瞭然、幫助你輕鬆掌握當月及年度財務收支狀況！無須繁瑣設定，開啟即可使用！

📌產品介紹

📊 全年度 12 個月 + 總覽頁面，每個月份皆有獨立記錄表，不會混亂！
🔢 可自由選擇金額格式（整數/兩位小數），符合不同記帳習慣
📈 自動計算月結餘 & 年度總收支，讓你一目瞭然
💰 內建收入與支出類別清單，還可自行新增自訂項目
✅ 樞紐分析表一鍵更新，快速查看每月收支比例！

📌 模板特色：
✔ 完整年度記錄：包含年度總覽表+ 1~12月獨立工作表，可記錄當月的收入與支出，總覽頁面自動統計整年度收支，適用全年財務管理。

✔ 年度財務概覽-簡單輸入&智能計算：總覽頁面自動計算每月結餘、年度收支總額、平均收入&平均支出，讓你輕鬆掌握財務狀況。

✔ 金額格式自由選擇：可從下拉選單選擇「整數(無小數)」或「小數(兩位數)」。（試算表版本可以使用「增加/減少小數位數」按鈕來調整數值顯示方式。）
✔ 即時收支狀態提醒：提供簡易文字提示，提醒是否「收入>支出」，使用者可視情況判斷是否需要調整財務收支。

✔ 自我簡易財務檢查：可輸入可用現金、銀行存款、投資可變現金，並檢查是否大於每月平均支出，避免財務風險！

✔ 每月固定支出提醒：可記錄每月固定開銷，提醒自己哪些費用需要繳交，不再遺漏帳單！

✔ 內建常見收入&支出類別：內含薪水、房租、交通、飲食、娛樂等，並提供5個額外可自訂類別！
✔ 內建樞紐分析表（Excel & 試算表版本）：收入&支出比例一鍵檢視（Excel需手動「重新整理」）。
✔ Google試算表版本：提供連結給使用者建立副本，支援雲端存取&自動更新分析表。
✔ 適合新手&日常管理：無須財務專業背景，無需複雜操作，簡單易懂，輕鬆上手！

📌適用對象

✅ 想要簡單管理個人&家庭財務的你！
✅ 不想使用複雜記帳軟體，但希望清楚掌握收支情況！
✅ 希望透過Excel輕鬆追蹤收入&支出，避免不必要的財務壓力！

📂 你將獲得：
✅ Excel 繁體中文版 (.xlsx)
✅ Excel 英文版 (.xlsx)
✅ Google 試算表（提供連結建立副本）
📖 簡易使用說明文件

💡 不需要安裝額外軟體，Excel 內建功能即可使用！

📢 注意事項
⚠ 僅限個人使用，不得轉載、販售、共用或上傳到其他網站。
⚠ 本模板適用 Excel / Google 試算表，請確認您的設備可開啟相應檔案。

✨ 現在就開始簡單管理您的財務吧！