BBP Personal Budget Tracker

As an owner, your personal finances and your business are tied together — but most of us only ever look at one of them. Money comes in, money goes out, and somehow the month ends with less than it feels like it should.

It's not that you're bad with money. It's that you've never had a clear picture of it — so spending happens by feel, and "where did it all go" is a question you ask after the fact instead of before.

This tracker gives you the picture. Type in what comes in and what goes out; it shows you exactly what you keep — your net cash flow and savings rate, live, at a glance.

What's Inside

• A clean monthly budget — income and every spending category
• A live summary dashboard: net cash flow and savings rate, calculated for you
• A 50/30/20 check — it splits your actual spending into Needs / Wants / Savings & debt paydown, shows each as a % of income against the 50/30/20 targets, and gives a traffic-light, plain-English read ("on track / trim needs / a little low")
• Overspending flags so categories that run hot stand out

🎁 Free bonus included: 50/30/20 Quick-Start Guide

The rule in plain English — what counts as a need vs. a want, the honest "adjust the ratios to your season" note, and three worked examples — so the 50/30/20 check on your budget makes sense the first time you see it.

What it does for you

• Know exactly where your money goes
  • Every dollar in and out, in one place
  • Categories that surface where it's really going
• Keep more of what you make
  • A live savings rate that turns "spend less" into a number
  • The 50/30/20 check shows if your Needs / Wants / Savings split is actually healthy
• Decide with a clear head
  • The real picture before the month, not after

Finally see your money clearly.

What it saves you in a single month covers it many times over.

Buy once, get every update free — for life.

We're always improving these tools. When we do, you get the upgraded version free, delivered by email through our store — even if the price has gone up since you bought. This isn't a one-time purchase — it's an investment in you and your business, and it only grows in value over time.

Formats: editable Excel spreadsheet with the formulas built in, plus a print-ready PDF bonus. Instant download — works on Mac & PC.

Know where it goes, and keep more of it. This is where that starts.

Instant download: your files are available the moment your payment is confirmed. Because these are instant digital downloads, they aren't eligible for returns, exchanges, or cancellations — but if anything's wrong with your order, reach out and we'll make it right.