Google Sheets Budget | Add a Savings Account | Personal Finance | Zero Based Budgeting

[@de6klompjes108]

I struggled a bit to much adding this 😂 but I figured it out so im pretty proud of myself and seeing the whole year ahead gives so much peace of mind.

[@ehaelishamakeup]

This whole series has just helped me out together a yesrly budget for my partner. And im in love, i get so giddy when i see a working sheet. Anyways, big help. Please keep maling these 🎉

[@jdanpey]

Your system is SOOO helpful and allowed me to save big bucks from having to renew Quicken every year. Thank you!

[@johnward5680]

I love this spreadsheet and your method of teaching. I have been building and using a spreadsheet of my own since 2020. But after seeing this, I've implemented a similar spreadsheet to use. I have of course included things I need like a schedule for direct deposits in the savings account and a minimum balance alert on my checking account, so I know how much I can spend. It is brand knew and requires further testing, since a lot of this is new to me, but it looks to be functioning correctly.

[@headsdownjumper]

I’m glad you did this I was wanting to add savings and brokerage accounts to my version of your annual budget

[@phok3401]

I've been enjoying your videos immensely. How do you track credit card purchases and integrate into your expense tracking?

[@elizabethhills6460]

Wish I would have discovered your channel sooner! Great video. Thank you for providing this amazing service!

[@ThomasTutorials-x7g]

Great vid! Questions still are: How do you reflect other entries which are added directly to this newly created Savings Account? For example: How do you get (Interest Credit, Withdrawal, Savings Account #2 transfer from Savings Account) to reflect in the newly added Savings Account? Yes, you can add them at the end of the Savings Account but then these items are no longer in Date Order and a Sort does not seem to work (Possibly due to the auto transfer formulas created when creating this Savings Account).

[@Medalea]

Thank you so much for the budget sheet video. I use the sheet daily, and I finally have some oversight on my finances! Going to try out the savings account as well :)

[@edebrah]

Love the google sheets videos! This is helpful, thank you!

[@whyworksmarternotharder]

Great! Thanks

[@higheight]

This is brilliant, thank you! In the process of getting mine set up for use - I think it'll be a great tool. Have you considered adding something whereby you could set a budget for the Other Expenses (such as a groceries budget for example), and track your actual spending against it? It should be possible to set some formatting to show when you've spent over a set amount, but being able to amend a budget dynamically would be a great addition to this.

[@acemakerjay]

I’ve learned a lot so far and have subscribed. Thank you!

[@jimtaylor5697]

Love both these videos about how to set up your budget.. I know its a minor detail, but how can you add something as small as "interest" into your query w/o it getting added to your checking account?

[@PFGFrankly]

yah, i would like that too

[@AnthonyMeyers-v4o]

This is a great tool to use. If i have multiple income streams and would like to understand when certain funds are put into categories, then the bill gets paid, how can i utilise this chart and graphs to visualise this?

[@ehaelishamakeup]

Hey!!! This series is incredible! So thank you for this! I was wondering if either you've already done or you'd be open to doing something like this; let's say I have a couple of specific savings goals to reach on different specific dates. Is there a formula to add to the savings page. That can calculate week by week how much of each savings goal is being contributed to based off of due date. Lets say I want a boat pn the 25 Dec 2025 for 1000 But before then I have also holiday to save for in July 2025 which I want to budget 2000 for also.....and then based on those dates you can see the numbers going up fir each one as the dates go on? I'm not sure if that makes sense

[@Anthony_Culotta]

Great videos would like to see a tracker to implement credit card tracking as well.

[@debravandriesen8988]

Thank you for the budget sheet. How would you add interest made on savings into your savings account sheet?

[@SaadonAksah]

Nice! Thanks for sharing this! 👍

[@joanna2469]

Can you do a video on credit card accounts and payments?

[@BennettRussell]

Been using a budget template for many years. For the new year, 2025, I went with this template of yours. But I am having an issue. Because each month I withdraw $150.00 from the checking account to handle three services which they do not take debit card or checks. So, I added another tab and called it petty cash. Since this year is just starting, I just made up some data. In other expenses, I have an entry for the cash withdraw. And for the final tracker, all is good. Because it shows where my checking account balance is correct. But once I pay for the three services, and recorded in the other expenses, my checking account balance is now incorrect. I used to work with accounting years ago, but these days, maybe I am just seeing the whole picture. Maybe the petty cash sheet is just not the route to take.

[@johntakacs7037]

Thank you for the template. This is something I needed to do for years. Is there a way to add in my credit cards so I can track the transaction by category?

[@azizabduev4534]

Great teaching. I love it easy. Can you add credit card.?

[@antonlindberg7117]

Thanks for the addition. My only concern right now is when I'm lacking data to go on.. Is it possible to start from a clean state and let the upcoming incomes/debits act as a starting point for next month?

[@michellemurphy6300]

Same question here.

[@ChrissiesPurpleLibrary]

Thank you so much! This was so easy to follow!

[@lewiswitcher6992]

This is great! But I had a question on how if you could track multiple savings accounts? Would you just create another tab for another savings and follow the same process on this one?

[@adrnpz]

Have this question as well! What was your solution?

[@michellemurphy6300]

Same!

[@bucketlady]

Hi! I really love your Google Sheets Budget Template! I was just wondering, if it is possible to add a sheet where you get an oversight of your expenses by categorie every month of the year? So you can see how you are doing? Thanks!

[@LeandroChavez-j6d]

Can you do a video that would show the interest made on a savings account or on a Roth IRA as you deposit money each month or week?

[@danac2491]

Do you have a step up version of this to include a savings allocation?

[@cinnathweet3743]

Great Google Sheets videos!!

[@michellemurphy6300]

How do you create sheets for multiple savings accounts? I have 3 and I followed this tutorial, but now all 3 are under one savings page.

[@gilwoode]

I don’t know I’m doing wrong. I keep getting #N/A once I hit enter. Before I hit enter I get Query completed with an open output the arrow is pointing right in front of the first C=‘Transfer to Savings.. I’ve started over several times and I can’t figure it out. Does the error have something to do with my main spreadsheet because it works perfect.

[@thunderingbuffalorios3954]

Ever find out how to fix it? I'm having the same issue.

[@sirswaggington]

@@thunderingbuffalorios3954 I just had to type it out myself rather than copy and paste

[@maximus4691]

What do I do for expenses like groceries, gas, spending, etc that vary each month. Do I just put it in the other expense tab and constantly update it through each purchase? I guess I’m also confused on how I can track how much I’m set to have by the end of the year, do I create a set budget for myself to give me an estimated number and then not got over that

[@99bogatyrs99]

Can I adopt this sheet to Excel? It is better than the sheet you created for Excel.

[@vegardbrueckmann4754]

Is it possible to setup several accounts using this method? How would I go about this?

[@Drizz1717]

What if I use Vaults in my savings account, to park my money, before I transfer it back to checking account to spend money?

[@1Whywouldicare]

finally the waiting is over lol thanks dude 🙏🏾

[@whyworksmarternotharder]

I appreciate your support! Glad these are working for you!

[@TheMattRedstone]

I really appreciate these videos. I'm looking forward to implementing this budget into my life I have one question. How would you put a credit card page on, or does that complicate things unnecessarily? I was just thinking it would be nice to track the running total, while syncing the payments made with the rest of the program. Edit: apparently I should've read the comments, cause I'm not the first to bring this up

[@johnward5680]

I believe trying to track a credit card balance would as you say complicate things unnecessarily. Use card statements and focus on paying more than minimum.

[@rhoshe9629]

Everything is working perfectly with the exception of my Transfer to Checking in my Other Expenses sheet not showing up on my Savings one, could you help please!?

[@daniellataa7255]

Hi. I really appreciate your tutorials, it lets me to keep track on my budget. I have jut one issue. Is there any option to add spendings from my savings account, that are not included in final tracker? I needed to transfer savings to checking, and my bank is charging it, and i knot how to store it in my budget tracker.

[@cyclepete694]

Hi, this looks pretty awesome. I hit a road block though when trying to add the data from from a bank csv download rather than typing all the data in manually. When I import, I get the date and description to feed through but the amounts don't.! Any thoughts please?

[@GermanLarez]

Awesome content!

[@sirswaggington]

Is there a way to add the interest that the savings account adds to it?

[@whyworksmarternotharder]

That’s a good call out. I’ll make that feature for the next video

[@sirswaggington]

@whyworksmarternotharder Awesome, thanks! I imagine that functionality could also be used for a brokerage account

[@cullanlee3797]

Would this process of adding savings work on the “Budget Smarter_Extended version template?( paid version) Or is there another video somewhere for that?

[@lacysrhr]

Awesome

[@Ellie-ir7mn]

So helpful thankyou!

[@jonmc6573]

But savings accounts accrue interest... where does the interest go?

[@monicawashington4802]

Great

[@jamessolomon3467]

I have an excel/sheets question. I'm working on a budget. I have a checkbox in Cell A1. B1 contains a number, 100. In a 3rd cell (B15) I have a sum of all my numbers, lets say they equal 1000. I want to be able to check the checkbox in A1 and it takes B15's total and subtracts the number in B1 automatically changing it to 900. Bonus points if you can get it to change to a color once checked. Can that be done? I know conditional formatting can change the color, but I'm not sure how to write the formula for the subtraction function and then link it to the color change.

[@whyworksmarternotharder]

I would say check out my IFs formula video and then set conditional formatting after that. Check boxes work off of a True/false context.

[@kqxx]

Thank you! I'm always looking ways to improve my budget sheet [EDITED] I'm currently using google sheets. Do you by any chance have a tutorial on creating a simple overview chart to showcase an overview spending categories for each month?

[@whyworksmarternotharder]

I would watch my data studio budget video!!

[@apizzayou]

Thank you so much for your videos. I really, really love the budget tracker and I am trying to add the savings with this video. I had no issues with the budget tracker formulas, but when I use this one, I get the error "QUERY only takes 3 arguments" and it says I am trying to use 7. Any insight into what I might be doing wrong?

[@whyworksmarternotharder]

Hmmm. Can you paste the formulas?

[@apizzayou]

@@whyworksmarternotharder I must have had a typo somewhere - I followed your directions again and typed REALLY carefully and managed to get it to work! User error I am sure. :)

[@raymondgeorge4542]

This is brill.

[@haileymaurer122]

The first spreadsheet from the previous video worked perfectly. I have checked spelling, cases, selections over and over again, and the formula just does not work.

[@lesimmeublesvspinc8580]

great vid

[@jeffbulnes2449]

Thanks man, I don't mean to throw you off, but wha is I have multiple savings account?

[@whyworksmarternotharder]

Have those options in your drop down list. And then have two sheets (one for each savings account). Then set up a formula with ‘transfer to savings 1’ and ‘transfer to savings 2’

[@Armiller713]

Hi! I just watched your other tutorial (part one) and am finishing up with this one right now. I had put in a fixed expense for transfer to savings, which is what you had done in part one. Is there a way to get that to go to the "Savings Account" tab, or do I have to refile/log all of the savings from "Fixed Expenses" all under "Other Expenses" for this to work? I get my fixed amount taken out for each paycheck so it makes more sense for me there instead of in "Other Expenses." Thank you!

[@whyworksmarternotharder]

Fixed expenses will work just as good

[@Armiller713]

@@whyworksmarternotharder But is there a way to get my fixed expenses for my savings account to go to the Savings Account tab on the bottom to add to the running total for my Savings Account balance? Because right now it’s just taking from the other expenses tab.

[@johnward5680]

@@Armiller713 You need to add fixed expenses to the query function on the savings account tab.

[@gerridbarnes5205]

I'm kind of late to the game here, but when trying to add into the formula for multiple savings accounts, any transfer to checking from any of the savings accounts sheets is showing up on all three of them. Any tips on how to avoid this?

[@brettstewart1550]

I have made the categories more descriptive i.e. 'Savings to Checking' and using those in the formulas to avoid this kind of problem

[@jonatanpalmvig6771]

=QUERY('Final Tracker'!A:E; "SELECT A, B, C, E, D WHERE C='Transfer To Savings' OR C='Transfer To Checking'"; 0) Remember to mach "Transfer To Savings" and "Transfer To Checking" that was put in the sheet called Lists.

[@hasole9669]

Has anyone worked out how to add interest to the savings account?

[@NicPollard-Ingram]

Having trouble with the first query, all spelling is ok, keeps giving N/A empty output message. Any one got any clues or have had this issue.?

[@NicPollard-Ingram]

=Query('Final Tracker'!A:E, "Select A, B, C, E, D Where C='Transfer To Savings' OR C='Transfer To Checking'",0)

[@darrongreer9134]

SORRY I CANT GET IT TO WORK , TELL ME THE" FORMULA PAUSED " I'M IN THE UK

[@PFGFrankly]

you forgetting how to set up adding interest

[@bhavneshparikh8283]

How can download this file?

[@whyworksmarternotharder]

Same answer as last time…

[@bhavneshparikh8283]

@@whyworksmarternotharder I know that same anser pl provide link for sample data

[@fineone1987]

i'm having issues with the 1st Query. when i place the code in i get "#N/A Query completed with an empty output" can you please help =QUERY('Final Tracker'!A:E, "Select A, B, C, E, D Where C='Transfer To Savings' OR C='Transfer To Checking'", 0)

[@whyworksmarternotharder]

Check for spelling and case sensitive

[@fineone1987]

@@whyworksmarternotharder IDK what i missed but it works now! Thank you again!

[@fineone1987]

@@whyworksmarternotharder thanks again for all your help! Would you be able to do another tutorial for the budget report graph, since I updated the Google sheet the graph says "Data sheet configuration error"

[@IamXochipilli]

@@fineone1987 How did you fix it? I keep getting the same issues

[@nataliepauley2741]

@@IamXochipilli check case sensitivity for "To" instead of "to"