2025 Wealth Planner for Excel & Sheets:
Your next-level wealth-building sidekick
Finally, a dynamic spreadsheet that helps you budget, track, and grow your wealth—all in one place.
Available for Google Sheets, Excel for Mac, and Excel for PC
“They literally thought of everything. This template takes tracking and understanding your money to another level!” —Rich Girl Madeleine M.
Change how you think about money
Change how you think about money
A clear plan
Gain clarity on what it will take (and in what timeline) to reach your financial goals.
Easy accountability
Use built-in monthly and yearly reviews to stay on top of your plan and make adjustments.
Improve your finances
Surface areas to improve, make tweaks based on smart insights, cut costs, and make more money.
Stress less about money
The planner covers your finances so you can spend your time and mental bandwidth on more important things.
No subscription needed
Each year’s Wealth Planner is a digital download that you own on your device or Google Drive.
For anyone managing money
Hint: That’s you! Freelancers, employees, founders, and millionaires see results with the planner.
What is it?
It’s “you’ll never plan another way” good.
This is not your average spreadsheet.
Welcome to the most effective way to track spending, investments, and behavior, in one single source of truth.
The 2025 Wealth Planner is optimized to work on Google Sheets, Excel for Mac, or Excel for PC.
It updates dynamically whenever you add new information—so you can focus on the big picture and your long-term financial goals.
This planner was carefully hand-designed with custom formulas across almost every cell.
And the best part? Because it’s a spreadsheet, you don’t have to surrender your data to any third party.
Just one place to:
→ Strategize your debt payoff
→ Track your net worth
→ Map the finer points of your financial independence journey
→ Review useful insights and shift your behavior
What you get:
Expect more than a template
✔️ A comprehensive dashboard to enter income, your spending plan, assets, liabilities, and saving and investing goals
✔️ Personalized best practices and monthly budget breakdowns based on income and goal savings rate
✔️ Estimates for your federal and FICA tax liability for all four US tax filing statuses
✔️ Net worth tracking to monitor your progress
✔️ 40-year financial projections to see when you’re expected to reach financial independence with the ability to add future sources of income and temporary expenses
✔️ Monthly tracking for spending, debt payoff, and investing to hold yourself accountable
✔️ Year in Review insights to analyze trends and averages
How to use the 2025 Wealth Planner | Watch the tutorial
Step 1: Fill out your dashboard.
You’ll be greeted by the READ ME FIRST tab, where you’ll enter information about your income, filing status, set a goal savings rate, make a spending plan, and load your assets and liabilities with their starting balances.
You’ll also have the opportunity to strategize debt payoff and set monthly saving and investing goals at this phase (oooh! aaah!). This tab is dynamic and powers the rest of the planner, so think about this like your “account setup.”
Step 2: Review your personalized best practices.
You’ll see an ideal monthly budget breakdown with explanations based on your income and goal savings rate. You’ll also see estimates for your federal and FICA tax liability for your US filing status and estimates for any self-employment taxes owed. In the Net Worth tab, you’ll find your starting net worth waiting for you!
Step 3: Report back monthly.
At the end of each month, update your account and loan balances to track your net worth to see how your numbers are trending over time. You’ll also input your spending and saving behavior in the correct monthly tab. This step is key! It’s where you’ll hold yourself accountable to your plan.
Step 4: Map out the next 40 years.
Don’t worry, the Planner does this automatically. Based on your income, invested assets, spending, and desired assumptions about the future, you’ll see when you’re expected to become financially independent. The 2025 Financial Independence projections can account for temporary ongoing expenses, one-time big expenses, future inheritances, and more.
Step 5: Generate actionable insights.
Your YEAR IN REVIEW tab will auto-update so you can view data for whatever timeframe you’d like. All of your monthly averages, annualized summaries, and trends in one place.
Trusted by 15,000+ Rich People
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Worth every penny!!
“I am now two months into using this wealth planner and it has been an incredibly useful tool. It has helped me with my overall spending and saving goals, understanding my monthly spending, visualizing my total net worth, and realizing I will be financially independent way sooner than l expected. I also use this tool as a monthly ‘money date; with my spouse so he also understands what’s coming in going out, and our overall money strategy. I would give it more stars if I could. love it!” —Marissa J.
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It is a GAMECHANGER.
“It is a GAMECHANGER in tracking your net worth… it easily has helped us grow our investments by $50k this year.” —Anon
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Amazing updates!!!
“Amazing updates this year, Katie!!! Looove loooove looove the Financial Independence tab and the % to FI at the top of each month’s tab! Was too excited…thank you so much!” —AJ
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Holy smokes.
“Y’all were NOT joking when you said you added WAY more tabs! Wow! I was giddy popping through and checking each one out. Hats off to you, Katie!” —Nicole
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Very helpful!
“Nice being able to see all our money (spent and saved) in one place. Working on keeping us on track for our future, while still enjoying our present.” —Alicia P.
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This template is incredible!
“This template is incredible! They have literally thought about everything. It takes tracking and understanding your money to another level!” —Madeleine M.
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Enjoying more than I anticipated!
“I have never made a budget before, just a general ‘idea.’ But I’m enjoying this so much!! I’m definitely thinking about my spending in a different way and looking forward to each month end total.” —Ashley M.
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Thank you so much!!
“This is my 3rd year buying the wealth planner and I can attest that it is worth the new spend each year with all the updates and improvements you’ve made! Love it and it makes my “financial summits” with husband so much easier/smoother since this speaks better to his brain structure than my prior DIY spreadsheets and tracking (all numbers, no visuals). Bravo!” —Denise
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Love this tool!
“Love this tool! Easy to use, quick responses to questions that aren’t the FAQ, and love having the easy view of my timeline to financial independence!” —Melissa R.
Still have more questions?
What makes this planner different from other financial planning tools on the market?
Picture this: a financial planner that doesn’t just help you budget, but actually helps you build wealth. That’s the 2025 Wealth Planner. Rather than simply storing all of your spending data, this Planner takes the cold, hard numbers and translates them so you understand exactly what they mean for your future.
With personalized best practices, powerful insights, and a focus on reaching financial independence—I’m confident this is the best planner available.
Is this planner suitable for both beginners and experienced investors?
Yes. Whether you’re a financial newbie or a seasoned investor, the 2025 Wealth Planner meets you where you are. It’s designed to help you optimize your personal financial strategy, no matter your starting point, and our comprehensive tutorial will show you exactly how to use it.
Can I use this planner if I’m not based in the United States?
Absolutely! The 2025 Wealth Planner knows no borders, but we recommend users outside the US use the Excel version of the Planner, because it’s much faster to update currency in Excel than Sheets. For more information about we recommend adjusting the Planner if you’re outside the US, check out this guide.
What if I need additional support or have more questions?
Our friendly support team at Support@MorningBrew.com is always ready to help. Whether you have a quick question or need some extra guidance, we’re here to help you get the most out of your 2025 Wealth Planner.
Is my financial data secure and private when using the Wealth Planner?
Your privacy and security are top priorities. The 2025 Wealth Planner keeps your financial data completely private and secure because it’s stored in a spreadsheet, locally on your device, or in your Google Drive. We never have any access to your personal information.
Can I use this planner on my mobile device or tablet?
The 2025 Wealth Planner is best experienced on a computer, but you can still access it on your iPad or tablet with Google Sheets. Some features may be limited, but you’ll still have access to the core functionality.
How often should I update the planner for the best results?
Monthly check-ins are a big key to success. You’ll stay on top of your progress, spot trends, and make informed decisions to optimize your wealth-building strategy.
What happens if I accidentally break a formula or encounter an error?
Don’t sweat it! Just shoot an email to our support team at Support@MorningBrew.com, and we’ll swoop in. We’ll help you fix any issues quickly, so you can get back to it.
Can I add my own custom budget categories or tabs to the planner?
You shouldn’t add or delete rows, columns, or cells (the backend formulas are pretty complex). You can add new tabs without messing with the planner’s functionality, but keep in mind they won’t integrate with the existing tabs.
Feel free to overwrite major category names or add new subcategories to any dropdown list you see.
What is your policy on returns if I’m not satisfied?
Reach out to us at Support@MorningBrew.com within 30 days of your purchase, and we’ll give you a full refund. No questions asked.
