Changelog

What changed and when.

Every OwnYourMoney spreadsheet, the version it ships at, and what changed. Updates are annual and free for life.

Monthly Budget + Net Worth

v1.0.0
  • Income vs. expense tracker with category-based 12-month grid
  • Auto-calculated Net Worth snapshot & history
  • Annual Summary sheet — month-over-month variance
  • Excel + Google Sheets compatible
  • No formulas to maintain — plug in numbers, totals update

Annual Budget Planner

v1.0.0
  • 12-month overview across all categories
  • Category roll-up with monthly averages
  • Year-end summary & projections
  • Goal-setting columns for each month
  • Year-over-year comparison framework
  • Works standalone or alongside Monthly Budget

Debt Payoff Tracker

v1.0.0
  • Snowball method calculator (smallest balance first)
  • Avalanche method calculator (highest interest first)
  • 60-month payoff timeline projection
  • Strategy comparison table — total interest paid
  • Extra payment scenario modeling
  • Progress tracker with milestones

Cash Flow Tracker

v1.0.0
  • Income vs. expenses in one view — weekly or monthly
  • Running cash position tracker
  • Fixed vs. variable income and expense tagging
  • Auto-sums from Income Log & Expense Log tabs
  • Savings rate calculator
  • Excel + Google Sheets compatible

Tax Planning Template

v1.0.0
  • Quarterly estimated tax tracker — Q1/Q2/Q3/Q4
  • 2025 IRS bracket reference (Single, MFJ, MFS, HOH)
  • Self-employment tax calculator (15.3% SE rate)
  • Standard deduction auto-fill by filing status
  • Annual Summary with effective tax rate
  • SAFE Harbor payment guidance included

Emergency Fund Tracker

v1.0.0
  • Auto-calculated target from monthly expenses
  • Adjustable cushion length (3, 4, 5, or 6 months)
  • Monthly contribution log with running balance
  • Visual progress bar that updates as you save
  • Low-balance alerts when you dip below 1 month
  • Excel + Google Sheets compatible

Net Worth Tracker

v1.0.0
  • Track all asset classes — cash, investments, real estate, retirement
  • Track all liabilities — mortgage, loans, credit cards
  • Monthly columns for full-year tracking (Jan–Dec)
  • Auto-calculated net worth = total assets − total liabilities
  • Month-over-month change column on dashboard sheet
  • Excel + Google Sheets compatible

Subscription Tracker

v1.0.0
  • List every recurring subscription with monthly + annualized cost
  • Next renewal date column — never get surprised by a charge
  • Top-of-page Total Monthly Spend summary row that auto-calculates
  • Category breakdown sheet: Streaming, Productivity, News, Storage, etc.
  • 12-month Annual Planner with each subscription's month-by-month cost
  • Excel + Google Sheets compatible