If overspending creeps up on you, a straightforward spending tracker can help rein in costs. This planner sheet provides columns for the date, transaction details, money in, money out, and a running balance, plus a totals line at the bottom. Two margin formats and both A4 and US Letter sizes are included, so you can print the version that fits your binder or clipboard. The design is intentionally plain to make it easy to read and encourage regular use.

Small business owners, self‑employed people, and budget‑conscious households use this sheet to log daily spending and income. By writing down each transaction, you become more aware of where money is going and can spot leaks before they become big problems. You can dedicate a sheet to each month, project, or account and file completed sheets for reference. Because the sheet doesn’t rely on software, you can fill it out anywhere—in the office, at home, or on the go.

The totals line helps you reconcile your running balance and verify that your records match your bank account. Over time, you’ll have a clear history of your cash flow, which can be invaluable for tax preparation, loan applications, or business planning. The digital download allows you to start immediately, and printing unlimited copies costs only the price of paper. With this simple tool, you can build better spending habits, plan for taxes, and make informed decisions without investing in accounting software.