Personal Finance Planner Spreadsheet

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Personal Finance Planner is a tool designed to track monthly expenses and build savings plan. The tool is designed to manage multiple debit accounts (savings / current accounts) and credit accounts (credit cards) while keeping funds allocated for monthly expenses and savings separated. There is also a analysis tool which helps to analyze monthly expenses.

The tool is designed with the following rules:
    1. Balance at month end should be 0. Remaining funds for each month are deposit into savings.
    2. Income and money received is recorded as positive value.
    3. Expenses is recorded as negative value.
    4. Savings fund is managed separately from monthly expenses.
    5. Fund is reserved to pay every single cent spent on credit card by month end.
    6. Each expenses is tracked on net value spent / received.
    7. No overdraft. Overspend amount is deducted from savings.

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