If you’re looking for a single ledger that handles both daily entries and running totals, this auto‑calculating accounting and money tracker is the answer. The fillable PDF has columns for the date, description, incoming funds, outgoing funds, and a running balance that updates automatically. At the bottom of each page there’s a totals row that shows your total income and total expenses, giving you a quick snapshot of your financial performance. Because the maths happens behind the scenes, you can focus on recording information accurately and save time when reconciling your books.

The template is designed for an entire year’s worth of entries, making it especially useful for small business owners, side hustles, and online sellers who want to keep a single document for each fiscal year. The auto‑calculating feature reduces the risk of errors that creep in when you’re tired or distracted. Simply input your numbers and watch the balance and totals update instantly. The PDF is fillable so you can type entries on your laptop or tablet and save the file as you go. You can also print it if you prefer a paper copy to keep in your office or binder.

The layout is intentionally simple: no unnecessary columns or complicated formulas, just the essentials. With this streamlined approach, you’re more likely to keep the ledger up to date because it doesn’t feel like a chore. The digital download includes clear instructions on how to use the file and suggestions for managing multiple accounts. Whether you’re tracking personal spending, business finances, or a specific project budget, this ledger helps you stay organised, catch trends early, and make smarter financial decisions without resorting to expensive accounting software.