Personal finance template

Personal budget dashboard

Personal Budget DashBorg is a household budget board built around the way a paycheck actually arrives: pay periods, a savings plan per paycheck, bills entered once, and payments that carry their own state. Premium template, free to try for seven days.

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Live previewa made-up household, September 2026

September 2026

Total debt remaining

$223,698

$45,969 paid off

Income per paycheck

$3,680

4 sources, paid every two weeks

Savings funded

$61,266

8 savings accounts

Bills budget left

$1,498

$4,453 budgeted

One payment needs a look. A charge looks like one already recorded, so it is out of every total until you decide.

Where your next paycheck goes

Period 2, Sep 15 to 30 · $3,680.00 expected

Kids savings2% · $74Home savings10% · $368Investments8% · $294Spending money8% · $294Projects fund9% · $331Travel fund5% · $184Bills and food58% · $2,134

$3,680.00 expected, 42% of it into savings. Change the plan on the Savings tab and this follows.

Biggest balances

Top 6 of 14

Mortgage$184,200

Student loan$18,650

Car loan$14,380

Credit card$3,241

County taxes$1,180

Store card$860

Monthly spending

What you actually paid out

Coming up

6 to pay

The next payments due
What	Amount	Due
Student loan	$260.00	2026-09-20
Credit card	$300.00	2026-09-22
Store card	$75.00	2026-09-12
Water district	$45.00	2026-09-25
Streaming bundle	$32.00	2026-09-18
Neighborhood Gym	$25.00	2026-09-18
Still to pay	$927

A working personal budget dashboard, with a made-up household in it. Click any of the six tabs. Nothing here is anybody's real money.

What makes it different

Every bill entered once

Type a bill in one time: what it is, what it costs, the day it is due, and which paycheck pays it. The month's payments are made from that, so nobody copies a payee list into a new sheet twelve times a year. Change the amount once and every month after it follows.

Payments that know when they are paid

A payment is one row that moves, not two rows that disagree. It starts upcoming, becomes paid when you flip the switch, and becomes verified when your bank confirms it. A verified row is the darkest on the page. If the same bill is paid twice in one pay period, the second one waits in a queue and counts for nothing until you say which it is.

Allocation strategies you can bend by hand

Pick Conservative, Balanced or Aggressive and every savings bucket fills in. Then change any single one of them, because it is your money. The leftover pool for bills and food recalculates as you type, and it turns red when the percentages add up to more than a whole paycheck, which is the warning a spreadsheet never gives you.

Six tabs, one month at a time

Overview: Where your next paycheck goes, your biggest balances, what you actually spent month by month, and what is coming up next, each with one button to mark it paid.
Income: Every job and side income, each keeping its own formula. A per-class rate times the classes you teach this term, a flat amount, or an hourly rate times hours. Change the number of classes and the whole plan follows.
Savings: The allocation plan for each paycheck, your accounts and their balances, and a medal on the three accounts paying the best rate today.
Bills and payments: How much of the budget is gone, anything that needs a look, and every payment with its state. A category that goes over its limit says so in red.
Debts: Everything owed, biggest first, with months to payoff on each one, plus a people owed ledger with a running balance per person. Enter a payback as a negative amount and the balance drops.
Reports: What the month was scheduled to cost against what actually left the account, and this year beside last year over the same months.

Everything works by hand today. Daily bank pulls are coming, and the board is already built for them: a typed payment and a bank payment differ by one thing only, where the row came from.

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