Excel is very useful for personal finance decisions because it makes it very easy to play "what if" with alternatives and unknowns like future investment returns, inflation, etc.
The ability to customize Excel to the owner's specific needs and purposes makes it more valuable to some people than the features available in Quicken, for example.
The Excel "Planner" can track your checking account, credit card transactions, investment accounts, payroll, mortgage, reserve funds, etc.
The planner can also keep track of your projected cash flow through the end of each year - especially if you update your projected cash flow each year or even each month.
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