The functions should handle everything after that, but be careful about dragging cells around as you could inadvertently change the values in the orange column functions. You need to add in your starting numbers at the very top in the blue section. These sheets are not set up for leap years. And let me know what you think overall, or if you have any suggestions/code for it. Hopefully my example sheet should make things obvious on how to use it.

Let me know if I need to explain anything else about it.

The custom scripting is a little heavy though, and complicated, so you’ll have to forgive some processing time and instructions for use. It’s a little hard to explain (or perhaps I’m just not very good at it) and hopefully my example sheet makes it clear. It uses a keyword search of the Main sheet (with those description boxes) to find the most common words, then brings together all the transactions associated with those words. Using some custom functions I’ve written (available in Tools > Script Editor) the sheet attempts to figure out what your most common transactions are, and graph them over time. Regular Expenses is a somewhat more experimental sheet. ‘Total’ is the amassed wealth you have overall, and how its changed over time. ‘Flow’ shows you your ‘wealth velocity’ (rule of acquisition 54) the speed at which money is entering and leaving your account (in units per month). The real feature here is a collection of graphs to the right, which show you the ‘flow’ and ‘total’ values for each of the three accounts, plus the total. Here, those purple sections from Main are collected together and further processed to show you information on what the flow is like per day or weekday. Overview gives you a viewpoint over all the movement of money in your accounts. At the end of each month, each day is computed together to show you some extra information (how much cash you spent, how much money exited your bank account, what the overall in/out flow is for that month, etc) You also have a cell to describe what the transaction was. Each day has lots of space for entering each transaction individually, so you don't have to calculate together anything. These transactions are separated into three categories Cash (physical money), Bank (the main place to keep money) and Paypal (internet money). Everything from buying pizza to being paid. Main is where all the transactions are stored. There’s three main sheets Main, Overview and Regular Expenses I’d like to share my updated version that I've been working on for the last year, and hopefully some of you can take benefit of all the improvements I’ve made.

I downloaded it, and since then have made many, many changes. Around this time last year, a user posted a link here to a spreadsheet that they used for keeping track of their finances, so that other people could use it too.

Personal finance spreadsheet