Finance OS | All-in-One Personal Finance Notion Template

Stop Guessing Where Your Money Goes

Between multiple bank accounts, credit cards, debts, subscriptions, bills, savings goals, and investments — managing your finances feels like a full-time job. Most people don't know their true net worth, how much debt they really have, or where their money actually goes each month.

🔍 Want to explore the system first?
You can view a live preview of the template in action (read-only mode):

Preview Template

This Notion template solves that problem.

What You Get:

A complete financial command center that automatically tracks:

✅ Bank Accounts — Checking, Savings, Cash, Credit Cards, Loans, Investment accounts

✅ Income — Salary, Freelance, Business, Dividends, Rental, Side Hustles

✅ Expenses — Bills, Shopping, Food, Entertainment, Healthcare, Transportation

✅ Debts — Credit Cards, Personal Loans, Car Loans, Mortgages, Student Loans

✅ Recurring Payments — Subscriptions, Memberships, Insurance, Loan Payments

✅ Investments — Stocks, ETFs, Crypto, Portfolio Performance

Key Features:

🏦 Bank Account Management

• Track all account types in one place (Checking, Savings, Credit Cards, Loans, Investments)
• Automatic balance calculations with smart formulas
• Inter-account transfer tracking
• Real-time account overview dashboard
• Net worth tracking (Assets vs. Liabilities)

💰 Income & Expense Tracking

• Log every transaction with categories
• 8+ income categories pre-configured
• 40+ expense categories (Needs, Wants, Savings & Debts)
• Payment method tracking (Cash, Card, Transfer)
• Monthly and yearly summaries

📅 Never Miss a Bill

• Automatic next due date calculations
• Visual overdue alerts with color-coded urgency
• Days left countdown for each bill
• Upcoming payments dashboard view
• Track recurring bills and one-time payments

🔄 Subscription Management

• Monthly/yearly cost tracking
• Auto-renewal date reminders
• Cancel date tracking
• Annual cost calculations
• See exactly what you're paying for

💳 Debt Management

• Track all debts (Credit Cards, Loans, Mortgages)
• Remaining balance calculations
• Interest rate tracking
• Monthly payment schedules
• Payoff date projections
• Total interest paid tracking
• Debt-free date calculator

🎯 Savings Goals

• Set financial goals with target amounts and deadlines
• Track deposits and withdrawals over time
• Visual progress bars
• Days remaining countdown
• Projected completion dates
• Monthly contribution tracking

📊 Budget Planning (50/30/20 System)

• Pre-built 50/30/20 budget structure
• Needs (50%) — Housing, Utilities, Groceries, Transportation
• Wants (30%) — Dining, Entertainment, Shopping, Travel
• Savings & Debts (20%) — Emergency Fund, Investments, Debt Payments
• Track actual vs. planned spending
• Visual progress indicators
• Budget status alerts (On Track / Over Budget)

📈 Investment Portfolio Tracking

• Track holdings across multiple accounts
• Buy/Sell transaction logging
• Market value tracking
• Profit/Loss calculations
• Portfolio performance overview
• Day gain/loss tracking

📉 Financial Reports & Dashboard

• Annual overview at a glance
• Monthly breakdowns with totals
• Income vs. expense analysis
• Net worth tracking over time
• Debt overview summary
• Savings progress summary
• Investment snapshot

What's Inside:

20+ Interconnected Databases:

1. Accounts — All your bank accounts with automatic balance tracking
2. Income Records — Every income source logged with categories
3. Expense Records — Complete expense tracking with payment methods
4. Income Sources — Track different income streams (Salary, Freelance, etc.)
5. Budget Categories — 18 pre-built categories (50/30/20 structure)
6. Budgets — Category-based budget planning by period
7. Bills — Recurring bill management with due dates
8. Subscriptions — Service and membership tracking
9. Debts — Loan and credit card tracking with payoff calculations
10. Debt Payments — Payment history and schedule
11. Debt Summary — Overview of all debts and progress
12. Savings Goals — Goal tracking with visual progress
13. Savings Log — Contribution and withdrawal history
14. Savings Summary — Overview of all savings progress
15. Transfer Records — Inter-account money movement
16. Holdings — Investment positions with market values
17. Investment Transactions — Buy/Sell/Transfer tracking
18. Portfolio Overview — Investment performance summary
19. Net Worth — Assets vs. Liabilities tracking
20. Years — Yearly financial overview (2025-2030)
21. Months — Monthly breakdowns (72 months pre-built)
22. Navigation — Beautiful gallery menu with icons

Multiple View Types:

• 📋 Table views for detailed tracking
• 📅 Calendar views for payment scheduling
• 🖼️ Gallery views with visual cards
• 📊 Board views by status
• 📈 Chart views for analysis
• 🎯 Filtered views (Upcoming, Overdue, By Category, By Status)

Pre-Built Dashboard:

• Clean navigation gallery with custom icons
• Quick action buttons for common tasks
• Account overview with total balances and net worth
• Upcoming bills, subscriptions, and debt payments
• Budget overview with progress bars
• Outstanding debts summary
• Savings goals progress
• Investment snapshot
• Recent transactions feed
• Annual and monthly overviews

Sample Data Included:

• 10 bank accounts (Checking, Savings, Credit Cards, Loans, Investment)
• Income records with multiple sources
• Expense records across categories
• 3 debts with payment history
• 4 savings goals with progress
• Investment holdings and transactions
• Pre-configured 50/30/20 budget categories
• 5 years of dates pre-populated (2026-2030)
• See exactly how it works before customizing

Perfect For:

• 💼 Freelancers tracking multiple income streams
• 👨‍👩‍👧‍👦 Families managing household finances
• 💳 Debt Crushers working to become debt-free
• 🎯 Savers working toward financial goals
• 📈 Investors tracking portfolio performance
• 📱 Subscription Overloaders wondering where the money goes
• 🏠 Homeowners managing mortgages and bills
• 💰 Anyone ready to take control of their money

Quick Setup (60 minutes):

1. Download and duplicate to your Notion workspace
2. Review the example data to understand the system
3. Add your bank accounts and starting balances
4. Set up your income sources and expense categories
5. Add your bills, subscriptions, and debts
6. Create your savings goals
7. Customize budgets to match your income
8. Start tracking your financial journey!

Video tutorials & setup guide included.

Why This Template?

✨ Save Money — See exactly where every dollar goes and find areas to cut

⏱️ Save Time — No more spreadsheets or logging into multiple bank apps

😌 Reduce Stress — One dashboard shows your complete financial picture

💳 Crush Debt — Track payoff progress and see your debt-free date

📈 Build Wealth — Track savings goals and investments in one place

🎯 Make Smart Choices — Budget with the proven 50/30/20 system

What You'll Receive:

✓ Complete Notion template (duplicate & use immediately)

✓ 20+ interconnected databases with smart formulas

✓ Pre-configured 50/30/20 budget system

✓ Debt tracking with payoff calculators

✓ Investment portfolio tracking

✓ 6 years of dates pre-populated (2025-2030)

✓ Example data to see the system in action

✓ Video tutorials for each feature

✓ Step-by-step setup guide

✓ Free 10-minute setup call available

✓ Lifetime access (no subscription)

✓ Future updates included free

Technical Requirements:

• Notion account (Free or Paid — both work!)
• Compatible with desktop, mobile, and web apps
• No coding knowledge required
• Fully customizable to your needs
• Works with all Notion-supported currencies

FAQs:

Q: Will this work on Notion Free plan?

A: Yes! All features work on both Free and Paid Notion plans.

Q: Can I add more accounts or categories?

A: Absolutely! Add unlimited bank accounts, debts, income sources, and expense categories.

Q: Is this a one-time payment?

A: Yes! Pay once, use forever. No subscriptions.

Q: Do you offer refunds?

A: Yes, 7-day money-back guarantee if you're not satisfied.

Q: Can I track different currencies?

A: Yes! The template supports all Notion currencies. Message me for your local currency version.

Q: I'm new to Notion. Is this easy to use?

A: Yes! Includes example data, video tutorials, and a step-by-step guide. Plus, you can book a free setup call!

Q: Can I track multiple bank accounts?

A: Yes! Track unlimited checking, savings, credit cards, loans, and investment accounts.

Q: Does this include investment tracking?

A: Yes! Track holdings, buy/sell transactions, and portfolio performance.

Q: Can I track my debts and see when I'll be debt-free?

A: Yes! The debt tracker calculates remaining balance, interest, and projected payoff date.

Q: Is there support if I get stuck?

A: Yes! Book a free 10-minute setup call or message me anytime.

Get Started Today

One-time payment: $25

That's less than one month of a budgeting app subscription — but this gives you lifetime access to a complete financial management system with debt tracking, investment monitoring, and the proven 50/30/20 budget system.

Click "I want this!" to take control of your finances.