How to make a formula in Excel: income, expense, balance?

Why control the family budget?

The problem of lack of money is relevant for most modern families.
Many people literally dream of getting out of debt and starting a new financial life. In times of crisis, the burden of low wages, loans and debts affects almost all families without exception. This is why people strive to control their expenses. The point of saving expenses is not that people are greedy, but to gain financial stability and look at your budget soberly and impartially. The benefit of controlling financial flow is obvious - it is cost reduction. The more you save, the more confidence you have in the future. The money you save can be used to create a financial cushion that will allow you to feel comfortable for a while, for example, if you are unemployed.

The main enemy on the path of financial control is laziness. People first get excited about the idea of ​​controlling the family budget, but then quickly cool down and lose interest in their finances. To avoid this effect, you need to acquire a new habit - constantly control your expenses. The most difficult period is the first month. Then control becomes a habit, and you continue to act automatically. In addition, you will see the fruits of your “labor” immediately - your expenses will be amazingly reduced. You will personally see that some expenses were unnecessary and can be abandoned without harm to the family.

Creating an Excel product accounting table

A regular product accounting table in Excel, the template of which will be discussed further, is not the most complex design. To compile it correctly, you will need 1-2 days of time, the availability of a customer base, goods and product balances. It wouldn’t hurt to involve experienced Excel users in this process, which will significantly speed up achieving the goal and avoid serious mistakes.

Creating directories

The primary task of automating store accounting is the compilation of directories of goods, suppliers, customers, forms of payment and other elements repeated in documents. For each of them, you can use a separate sheet or fit all the data on one.

The directory is a line-by-line list with template information. The header indicates the column designations. The top line needs to be fixed using the menu “View” - “Freeze areas”. In this case, the column designations will always be visible at the top, and the list can be freely scrolled down.

Buyers directory in an Excel spreadsheet for goods accounting

The specified form of the directory may be different. It all depends on the needs of warehouse accounting and the desire of the entrepreneur to fill out certain columns. If there are several places where goods are stored, it would be advisable to create an appropriate directory in order to know the balances in each warehouse.

Directory of product nomenclature in an Excel table

It is recommended to design directories and their headings in the store accounting table using different colors and fonts. This allows you to quickly fix your gaze on the necessary data and speeds up your work.

Formation of drop-down lists

To avoid having to enter the name of the supplier or product each time when filling out receipt documents, an automated selection of these values ​​from the directory list is configured. To do this, use the “Data” - “Data Check” command. In the window that appears, select the “List” data type, and then in the source field indicate the complete list of values ​​from the directory. After this, the cell will be able to select a parameter from a drop-down list.

Menu for selecting a data source for a drop-down list

Don’t forget to customize the format of the displayed data in order to understand in what units of measurement goods are recorded in Excel.

However, when filling out receipt or expense documents, you will still have to enter some values ​​by hand.

Using a drop-down list when filling out a product range

These include:

• document date;
• quantity of goods;
• Document Number;
• other frequently changing parameters.

Using the tools built into Excel, you can achieve automatic completion of several columns based on directory data. However, it is unlikely that you will be able to configure this functionality yourself without in-depth knowledge of the program.

You can add basic formulas yourself, for example, indicate a column with the total cost of the product, multiplying the quantity by the price.

In the above manner, the “Incoming” and “Expense” sheets are also generated. Maintaining them separately is convenient for subsequent quick search of the required document.

Formation of the turnover sheet

In the Excel product accounting table, an example of which is given above, you cannot do without creating a turnover sheet for the period. To do this, use the SUMIFS function and other mathematical algorithms. Instructions for working with certain Excel tools can always be found on the Internet on the official website of the program.

An example of a turnover sheet in a commodity accounting table

You can make a turnover sheet yourself, but you will have to understand some of the functions of the table editor. No programming skills are required here.

On a separate sheet, you can display information about inventory balances in order to understand the need to purchase a particular item in the assortment.

Accounting for family expenses and income in an Excel spreadsheet

If you are new to creating a family budget, then before using powerful and paid tools for home accounting, try maintaining your family budget in a simple Excel spreadsheet. The benefits of such a solution are obvious - you do not spend money on programs, and try your hand at controlling finances. On the other hand, if you bought the program, then this will stimulate you - since you spent money, then you need to keep records.

It is better to start drawing up a family budget in a simple table in which everything is clear to you. Over time, you can complicate and supplement it.

The main principle of creating a financial plan is to break down your expenses and income into different categories and keep records for each of these categories. As experience shows, you need to start with a small number of categories (10-15 will be enough). Here is a sample list of expense categories for drawing up a family budget:

• Automobile
• Household needs
• Bad habits
• Hygiene and health
• Children
• Rent
• Credit/debts
• Clothing and cosmetics
• Travel (transport, taxi)
• Food
• Entertainment and gifts
• Communication (telephone, internet)

Accounting for cash inflows and outflows excel

Cash flow is the difference between an organization's cash receipts and payments over a specified period of time. Most often, this time period is taken to be a financial year.

To assess the changes and dynamics of the financial position of the enterprise, a cash flow plan for the enterprise is drawn up, taking into account all cash receipts and all payments. Cash flow analysis is used to budget the activities of an enterprise, when drawing up a business plan, and developing a cash flow budget.

If the numerical value of cash flow is greater than zero, this is an indicator of cash inflow. If the numerical value of the cash flow is less than zero, then there is an outflow of funds.

Positive cash flow is formed by funds received by the company for the corresponding period. This may be revenue from the sale of goods, receipt of funds for the performance of work or provision of services. Negative cash flow is formed by the funds spent by the enterprise in the corresponding period. For example, investments, loan repayment, costs of raw materials, electricity, materials, employee compensation, taxes and others.

Proper cash flow management is extremely important because... can reduce capital requirements, accelerating its turnover, as well as identify financial reserves within the enterprise and thereby reduce the volume of external loans. The main goal of cash flow analysis and management is to increase the volume of positive cash flow and reduce the volume of negative cash flow.

Why is cash flow analysis important?

If a company does not pay due attention to the analysis and management of cash flows, then it is very difficult for it to predict possible cash gaps. This leads to the fact that at the end of the month she may not have money to pay current bills for supplies of goods, office rent, employee salaries, and even taxes.

The regular occurrence of cash gaps leads the enterprise to problems both with suppliers of goods and services, and with clients. Suppliers, dissatisfied with payment problems, cancel discounts and suspend shipments of goods. There is a shortage of goods, customers cannot receive the goods in demand, and for this reason they are in no hurry to pay bills for shipments already made and services provided. Accounts receivable are growing, which further aggravates financial problems with suppliers. A “vicious circle” arises. This situation has a dramatic impact on the company’s turnover, reducing its profitability and profitability.

Thus, the insolvency of a company occurs at the moment when cash flow becomes negative. It is important that such a situation can arise even if the enterprise formally remains profitable. This is precisely what causes the problems of profitable but illiquid companies on the verge of bankruptcy.

Cash flow calculation in Excel

What automation tools are best used to analyze and manage an enterprise’s cash flows? Every business owner answers this question for himself.

There is a choice between expensive specialized programs for accounting for cash flows and creating an application for accounting and analyzing cash flows to suit your requirements using Excel. Functionally, there is no big difference between these options.

Specialized programs may have a more beautiful interface, an abundance of buttons and a large number of different functions, some of which are never used. However, specialized cash flow accounting programs have several big disadvantages. Firstly, development time. Most often, this is several months. Then implementation takes another couple of months. And if accounting needs change, which happens quite often, there is a considerable amount of money for adding new reports and processing by programmers.

Cash flow accounting solutions developed in Excel do not have these disadvantages. But the undoubted advantages are the flexibility of the solutions, the ability to quickly change to suit changing accounting conditions, the ability to make small changes by the user himself, and the versatility of the Excel spreadsheet editor. There is no accounting task that cannot be accomplished using Excel!

Download for free a simple solution for accounting and analysis of cash flows in Excel. In the file you will see a ready-made table for accounting and analysis of cash flows of an LLC located on the simplified tax system.

You can either make any changes to income and expense items yourself, or seek help from an Excel expert.

This is what the table looks like

accounting and cash flow analysis: Free download

Excel Spreadsheets vs. Home Accounting Software: What to Choose?

Each method of doing home accounting has its own advantages and disadvantages. If you have never done home accounting and have poor computer skills, then it is better to start accounting for your finances using a regular notebook. Enter all expenses and income into it in any form, and at the end of the month take a calculator and combine debits and credits.

If your level of knowledge allows you to use an Excel spreadsheet processor or a similar program, then feel free to download home budget spreadsheet templates and start accounting electronically.

When the functionality of the tables no longer suits you, you can use specialized programs. Start with the simplest software for personal accounting, and only then, when you get real experience, you can purchase a full-fledged program for a PC or smartphone. More detailed information about financial accounting programs can be found in the following articles:

The advantages of using Excel tables are obvious. This is a simple, straightforward and free solution. There is also the opportunity to gain additional skills in working with a table processor. The disadvantages include low performance, poor visibility, and limited functionality.

Specialized programs for managing a family budget have only one drawback - almost all normal software is paid. There is only one relevant question here - which program is the highest quality and cheapest? The advantages of the programs are: high performance, visual presentation of data, many reports, technical support from the developer, free updates.

If you want to try your hand at planning a family budget, but are not ready to pay money, then download free spreadsheet templates and get started. If you already have experience in home accounting and want to use more advanced tools, we recommend installing a simple and inexpensive program called Housekeeper. Let's look at the basics of personal accounting using the Housekeeper.

What are the benefits of keeping store records in Excel?

The functionality of the product accounting table in Excel, which can be downloaded on the Internet, is rather weak. Free versions often contain hidden formulas and are difficult to learn.

The interface of the product accounting table in Excel should not be merging

The basic capabilities of warehouse accounting tables are:

1. Recording the parameters of incoming and outgoing documents, the quantity of goods indicated in them, and its price.
2. Display of current balances for each item.
3. Maintaining product directories to automate filling out columns.
4. Formation of the turnover sheet.
5. Editing trade markups.

This is where the main functions of Excel tables for product accounting end. However, using the data already presented in the file, you can expand its capabilities. Simple manipulations will help you add the following:

1. Print orders based on selected documents.
2. Displays gross profit for the period.
3. Ability to display discounts.
4. Formation of an up-to-date price list based on product balances.
5. Maintaining a client base.

Some entrepreneurs are wondering how to make a product accounting table in Excel even more functional. However, expanding its capabilities may lead to instability, internal errors and data loss. Therefore, as the need for information processing power increases, it is recommended to use goods accounting programs designed specifically for these purposes.

Maintaining home accounting in the "Housekeeper" program

A detailed description of the program can be found on this page. The functionality of the "Housekeeper" is simple: there are two main sections: income and expenses.

To add an expense, you need to click the “Add” button (located at the top left). Then select the user, expense category and enter the amount. For example, in our case, the expense transaction was performed by the user Oleg, expense category: “Family and Children”, subcategory: “Toys”, and the amount is 1500 rubles. The funds will be debited from the Cash account.

Rules for accounting for goods in Excel

Store owners often try to organize accounting of the receipt and consumption of goods in Excel. To do this, basic skills in working with tables and minimal effort on self-training in several new functions of the program are enough.

Accounting for goods in Excel requires knowledge of basic mathematical functions

The initial formation of the Excel file structure requires special attention. It is advisable to provide a large number of columns in the product characteristics line to indicate the article, grade, manufacturer, etc.

After all, then you can configure a filter for each parameter.

It wouldn’t hurt to have additional fields when recording incoming and outgoing transactions. In this case, the values ​​with the full name of the persons responsible for the transfer of products, the form of payment, the expiration date of the deferment, and others will be relevant.

When you first fill out the table for recording the receipt and consumption of goods in Excel, you need to conduct an inventory in the store. After it, you will have to constantly keep accurate records of all operations in chronological order. An error in the date may cause the formula to fail to calculate and cause the entire file to crash. Therefore, you will have to maintain an Excel spreadsheet for product accounting without interruption.

Video on family budgeting in Excel

There are many videos on the Internet dedicated to family budget issues. The main thing is that you not only watch, read and listen, but also apply the acquired knowledge in practice. By controlling your budget, you reduce unnecessary expenses and increase savings.

Excel templates for expense control play an important role in accounting because they help you stay on top of your financial status. These Excel templates to download not only help you control your business finances , but also help you control your personal expenses . Thus, thanks to the register of expenses and income in pay sheets, we can keep daily records of the family budget and the enterprise. In addition, it serves as an add-on for calculating budgets in Excel.

Inventory accounting in Excel - a program without macros and programming

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How to keep inventory records in Excel?

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How to control expenses in Excel

In order to control expenses in Excel , you need to record expenses and income in spreadsheets, and then take the difference between them using Excel functions. This allows you to see the movements of cash inflows and outflows . In addition, we can calculate and plan subsequent actions depending on the financial situation, since with the help of a calculation sheet of expenses and income we are also able to know whether we are managing our capital well and whether we need to change our course of action, since the difference can be positive or negative.

List comparison

After correcting the errors, you can begin comparing the lists. the mass values ​​for each metal from the corrected List No. 2 (the list is in the example file on the sheet Corrected in the range A2:A53 ) using the formula: =SUMMIF(corrected!$A$2:$A$53;E3;corrected!$B$2 :$B$53)

As a result, we obtain a table for comparing the masses of metals discovered during the inventory and the metals appearing in the documents.

Comparison of masses can be made with the elementary formula =F3=G3. For clarity, you can use Conditional Formatting.

Cost control in Excel for download

There is no need to know how to use Excel in order to control expenses, since there are several options for sample calculation sheets for free download, including:

• Excel Templates for Daily Expenses
• Excel templates for company expenses and income
• Excel Templates for Controlling Personal Expenses

That's why we wanted to share two types of Excel templates for expense control , one for any type of activity, and the other more specialized for home accounting, which you can download here.

With sample budgets to have an idea of ​​how to control expenses in Excel.

Calculation of product costs in Excel

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Calculation of the cost of goods in trade

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