Stop guessing where your money goes.

Paste in your bank or credit card export — the same file your bank already gives you — and the BMG Budgeting Template does the rest. Every transaction is categorized, totaled, and built into your personal income statement: monthly, quarterly, and yearly, with every expense shown as a percentage of your income and measured against goals you set.

Then the dashboard takes it further. See your 50/30/20 breakdown calculated from your real income — not a generic example. Know exactly what your 3-to-6-month emergency fund target is, and how many months away you are at your current pace. Watch your savings projected twelve months forward with compound growth, so you can see what your money becomes when it starts working for you.

Built by a financial professional with over a decade in institutional investment operations, and refined through years of helping real families get organized. Categories follow the same structure a financial planner uses — housing, protection, debt, lifestyle, and future — and they're fully customizable: rename or add your own, and the income statement updates itself.

Every formula is protected so you can't break it. Every editable cell is clearly marked. Plain-language instructions are built right in, with guidance notes throughout — and if you ever get stuck, BMG support is one email away.

You're not just buying a spreadsheet. You're getting a tool with a team behind it — and your first consultation with us is free.

Requires Microsoft Excel (desktop recommended). One workbook covers a full year — save a copy for each new year.