Personal Finance
Savings Goal Tracker
Every goal you are saving for, how full it is, and what it needs each month
- Every goal, funded percent
- Needed per month, to the date
- Works in free Google Sheets
What it does
Inside the workbook.
Every goal at once, with the monthly amount each one actually needs.
WHAT YOU GET
- A 5-tab workbook: START HERE · MY GOALS · THE PLAN · DASHBOARD · FAQ
- 2 charts that update themselves as you type
- Realistic example figures already filled in, so you can watch it work before you replace them
- A plain-English START HERE guide built into the file, plus a 10-question FAQ
WHY THIS ONE
- Works in FREE Google Sheets. Also opens in Excel. No add-ons.
- One-time purchase. No subscription, no account, no upsell.
- Nothing connects to your bank or your accounting software. You type the numbers in yourself.
- Input cells are unlocked and formulas are protected so a stray paste cannot break the math — and there is NO password, so you can unlock and change anything.
- Every formula was opened in a calculation engine, fully rebuilt, and checked against values worked out independently of the file. If one disagreed, it would not be on sale.
HOW IT WORKS
1. Download and open the file. Nothing to unzip.
2. Read the START HERE tab — about two minutes.
3. Type your numbers over the examples in the blue cells.
GOOGLE SHEETS
File > Import > Upload > choose the file > Replace spreadsheet. Every formula was written to work in Google Sheets as well as Excel — no XLOOKUP, no LAMBDA, nothing that breaks on import.
INSTANT DOWNLOAD
Available immediately after purchase under Purchases and Reviews. Nothing ships.
REFUNDS AND SUPPORT
Instant digital downloads cannot be returned automatically through Etsy. Message me — if something is broken or not what you expected, I will fix it or refund you.
AI DISCLOSURE
This workbook was built with AI assistance. Every formula in it was then opened in a calculation engine and tested against independently calculated values before it was listed. The math is checked, not assumed.
This is a digital file only. No physical item will be shipped.
The proof
Every figure, worked out twice.
Before this workbook was listed it was opened in a calculation engine, rebuilt, and every headline figure was compared to a value computed independently in code from the same seed inputs. This is an excerpt of that ledger.
- BuildGenerated from a written spec, opened in a calculation engine, fully rebuilt.
- RecomputeEach figure worked out again in code — never read back from the sheet.
- CompareCell by cell, to a stated tolerance. One disagreement and it does not go on sale.
| Sheet | Cell | Expected | Calculated | Figure | |
|---|---|---|---|---|---|
| MY GOALS | F5 | 61.7% | 61.7% | ✓ | Goal 1 % funded |
| MY GOALS | G5 | 4,600 | 4,600 | ✓ | Goal 1 still to save |
| MY GOALS | H5 | 10 | 10 | ✓ | Goal 1 months left |
| MY GOALS | I5 | 460 | 460 | ✓ | Goal 1 needed each month |
| MY GOALS | J5 | 110 | 110 | ✓ | Goal 1 short by per month |
| MY GOALS | F13 | 1 | 1 | ✓ | Goal 9 Laptop % funded |
| MY GOALS | I14 | 447.06 | 447.06 | ✓ | Goal 10 needed each month |
| THE PLAN | F5 | 10 | 10 | ✓ | Goals tracked |
Questions
Before you buy.
Will it work in free Google Sheets?
Yes. File > Import > Upload > choose the file > Replace spreadsheet. Every formula was written to run in Google Sheets as well as Excel — no XLOOKUP, no LAMBDA, no add-ons, no account needed.
Why can't I type in some cells?
Those are formulas, locked so a stray paste cannot break the math. There is no password. Review > Unprotect Sheet opens the whole thing if you want to change something.
Why is a box red the first time I open it?
Because the example person wants more than they can put aside each month. That is the normal starting position and the tracker is meant to say so out loud. Type your own numbers in and it recalculates.
How many goals can I track?
Forty rows are ready on MY GOALS. Delete the ten examples and use your own. If you need more than forty, unprotect the sheet and copy the last row down — the totals already reach past the end of the examples.
How is Needed Each Month worked out?
What is still missing, divided by the number of whole calendar months between now and your date. It ignores interest on purpose so you can check it in your head. THE PLAN shows the version with interest right underneath, and over a year or two the difference is usually small.
Does it work in free Google Sheets?
Yes. Every workbook is built with an older, universal formula vocabulary so it imports into free Google Sheets without add-ons, and it opens in Excel as well. You get both in one purchase.
How was it tested?
The workbook was opened in a calculation engine, fully rebuilt, and 48 figures were compared to values worked out independently in code from the same seed inputs. One disagreement would have stopped the release. An excerpt of that ledger is on this page.
Get it
Savings Goal Tracker — $12.99
Instant download on Etsy. Google Sheets and Excel versions in the same purchase. No subscription, ever.
Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.