Formula Library
Google Sheets Formulas for Personal Finance
Ready-to-use formulas for budgeting, tracking expenses, calculating loan payments, and projecting savings growth. Copy, paste, and customize.
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Budgeting
Formulas for tracking expenses, calculating budget allocations, and analyzing spending patterns.
3 formulasDebt & Loans
Calculate loan payments, interest costs, and payoff timelines for mortgages, credit cards, and other debt.
3 formulasSavings & Interest
Compound interest calculations, savings goal projections, and emergency fund planning formulas.
3 formulasUtilities
General-purpose spreadsheet formulas for lookups, conditional formatting, and data manipulation.
3 formulasInvestment
ROI calculations, portfolio analysis, and investment performance tracking formulas.
3 formulasAll Formulas
50/30/20 Budget Allocation
beginnerCalculate how much to allocate to needs, wants, and savings based on the popular 50/30/20 budgeting rule.
=income * 0.50 (needs), =income * 0.30 (wants), =income * 0.20 (savings) Budgeting Budget Variance
beginnerCalculate the difference between planned budget and actual spending to see if you're over or under budget.
=planned_amount - actual_amount Budgeting CAGR (Annualized Return)
intermediateCalculate the compound annual growth rate - the smoothed annual return of an investment over time.
=(ending_value/beginning_value)^(1/years)-1 Investment Compound Interest (FV)
beginnerCalculate how much your savings will grow over time with compound interest.
=FV(rate/12, periods, -monthly_contribution, -initial_deposit) Savings & Interest Conditional Formatting Formulas
beginnerFormulas to use with conditional formatting for visual alerts in your budget spreadsheet.
=A2>B2 (to highlight when actual exceeds budget) Utilities Debt Payoff Timeline
intermediateCalculate how many months it will take to pay off a debt with fixed monthly payments.
=NPER(rate/12, -payment, balance) Debt & Loans Monthly Loan Payment (PMT)
beginnerCalculate the monthly payment required to pay off a loan with a fixed interest rate over a set number of periods.
=PMT(rate/12, periods, -principal) Debt & Loans Portfolio Allocation Percentage
beginnerCalculate what percentage of your total portfolio each investment represents.
=investment_value / total_portfolio_value * 100 Investment Return on Investment (ROI)
beginnerCalculate the percentage return on an investment relative to its cost.
=(current_value - initial_investment) / initial_investment * 100 Investment Rule of 72
beginnerQuickly estimate how long it takes for an investment to double at a given interest rate.
=72/annual_rate Savings & Interest Savings Goal Timeline
intermediateCalculate how many months it will take to reach a savings goal with regular contributions.
=NPER(rate/12, -monthly_savings, current_savings, -goal_amount) Savings & Interest Sum Expenses by Category
beginnerAdd up all transactions that match a specific category, like "Groceries" or "Entertainment".
=SUMIF(category_range, "Category Name", amount_range) Budgeting SUMIFS with Multiple Criteria
intermediateSum values that match multiple conditions, like totaling expenses for a specific category within a date range.
=SUMIFS(sum_range, criteria_range1, criteria1, criteria_range2, criteria2) Utilities Total Interest Paid
beginnerCalculate the total amount of interest you'll pay over the life of a loan.
=(PMT(rate/12, periods, -principal) * periods) - principal Debt & Loans VLOOKUP for Category Matching
intermediateAutomatically look up and return information based on a category or transaction name.
=VLOOKUP(lookup_value, table_range, column_index, FALSE) Utilities