Personal Budget Tracker
This monthly budget tracker is a dynamic spreadsheet that helps to calculate income, fixed expenses, variable expenses, savings and investments, and debt payments for a total monthly net cash flow.
Research shows that a lack of personal finance education in school has led to stress over managing finances for the majority of American adults.* Helping empower employee-owners with their own personal finances can establish a solid baseline to move towards broader business literacy programs. Later this month, we will release a financial literacy guide that connects core concepts between personal and business comparisons.
*The Financial Literacy Crisis in America: 2025 Report
Ideas for using this resource:
- Share this resource with all employee-owners.
- Start talking about financial basics at company-wide and team meetings this month.
- Reach out to providers (local banks, 401(k) provider, TPA, etc.) to inquire about offering a class or one-on-one meetings with employee-owners to discuss finances.
Related resources:
- The blog post Why Financial Literacy Matters More Than Ever makes the argument that financial literacy isn’t a luxury—it’s an essential.
- The webinar Engaging Employees to Think Like Owners: ESOP Business Literacy discusses ways to grow your employee-owners’ financial literacy.