Budget Planner & Net Worth Overview 3.8 – Apple Numbers Template (English)

All your money on one sheet – income, expenses, net worth, portfolio and loans. For Apple Numbers on Mac, iPad and iPhone.

Budget Planner & Net Worth Overview 3.8 is a ready-made Numbers template: you only fill in the yellow fields, everything else calculates itself. No app, no subscription, no bank connection – your numbers stay on your device.

How it works – in 4 steps

1. Set up once. On the Settings sheet you enter the year, name the 12 categories to match your life and set your savings targets, e.g. 50 % needs, 30 % wants, 20 % savings. It takes about 10 minutes and then it's done.
2. Enter income & expenses. You only fill in the yellow fields. Salary, bonuses and other income each get their own row per month. Fixed costs such as rent, electricity or insurance are entered once with an amount and a from/to month; yearly amounts are spread over 12 months automatically. Variable expenses such as groceries are entered month by month – about 10 to 15 minutes a week.
3. Net worth, portfolio & loans – as much as you need. Enter your balances and values once. Stocks, ETFs and crypto get their prices automatically. The loan calculator builds the amortization schedule, shows the remaining debt and your debt-free date, and can carry the payment straight into your expenses.
4. Read everything automatically. The summary shows your savings rate, emergency fund, debt service and housing cost ratio, the monthly trend, the savings-target check (50/30/20) and your net worth – without touching a single formula. Below every key figure you can read how it is calculated and what a good value is.

The guide is right inside the file on the Settings sheet. Setup: about 10 minutes, upkeep: 10 to 15 minutes per week.

What you get

• Summary with key figures: savings rate, free balance, emergency fund in net salaries, debt service and housing cost ratio, savings-target check (50/30/20) with rating, three charts (monthly trend, expenses by category, fixed vs. variable costs)
• Income & expenses for a full year: fixed costs with from/to month, yearly amounts spread over 12 months automatically, variable expenses per month, 12 categories you can rename freely
• Net worth: bank, fixed deposits, brokerage, crypto, pension, property, car, debts – net worth at a glance, liquidity by availability, month-end history
• Portfolio for stocks, ETFs and crypto with automatic prices (Yahoo Finance), gain in money and percent, conversion into your currency
• Loan calculator for a mortgage and two consumer loans: amortization schedule, remaining debt today, debt-free date, extra repayments, interest rate changes, payment flows into your expenses automatically – also with a shared payment
• Currency set to US dollar; switch to any currency in a few clicks

What is delivered

• BLANK template to fill in
• DEMO template with fictional sample data to explore
• Instant download after payment as a ZIP file: right on the order page and by e-mail with the download link. The PDF invoice comes with the order confirmation. Please also check your spam folder.

Requirements

• Apple Numbers 14.4 or later on Mac, iPad or iPhone (free on the App Store)
• An internet connection for automatic prices; prices are previous-day closing prices, not real-time. Price data comes from Yahoo Finance and may be missing for some exchanges.
• Not compatible with Excel or Google Sheets.

Licence & notes

• For your own household; no sharing or resale.
• The template helps you keep an overview and is not investment, tax or financial advice.
• Digital product: by purchasing you expressly agree that delivery starts immediately and acknowledge that you thereby lose your right of withdrawal.

Questions? finanzsicht@icloud.com – bug fixes are delivered as free updates.