{"product_id":"fixkosten-kompass-monatsbudget-rechner","title":"Fixed Cost Compass – Monthly Budget Calculator for Excel \u0026 Google Sheets","description":"\u003ch2\u003eFixed Cost Compass – Monthly Budget Calculator for Excel \u0026amp; Google Sheets\u003c\/h2\u003e\n\n\u003cp\u003e\n  With the \u003cstrong\u003eFixed Cost Compass\u003c\/strong\u003e, you get a simple digital monthly budget calculator for Excel and Google Sheets. \n  This tool helps you clearly record and automatically calculate your income, fixed costs, variable expenses, and savings goals.\n\u003c\/p\u003e\n\n\u003cp\u003e\n  Instead of manually calculating everything each month, you enter your figures and the dashboard immediately shows you \n  \u003cstrong\u003ehow much money is truly left after your monthly expenses\u003c\/strong\u003e.\n\u003c\/p\u003e\n\n\u003ch3\u003eWho is the Fixed Cost Compass suitable for?\u003c\/h3\u003e\n\n\u003cp\u003e\n  This digital tool is ideal for you if you want to gain more insight into your monthly finances without using complicated financial software or apps.\n\u003c\/p\u003e\n\n\u003cul\u003e\n\n  \u003cli\u003eif you want to better understand your monthly fixed costs\u003c\/li\u003e\n\n  \u003cli\u003eif you want to know what truly remains after rent, electricity, contracts, and expenses\u003c\/li\u003e\n\n  \u003cli\u003eif you want to plan your savings goals more realistically\u003c\/li\u003e\n\n  \u003cli\u003eif you want to record your household expenses in a more structured way\u003c\/li\u003e\n\n  \u003cli\u003eif you are looking for a simple Excel or Google Sheets template instead of an app\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat's included?\u003c\/h3\u003e\n\n\u003cul\u003e\n\n  \u003cli\u003eExcel file with automatic monthly budget dashboard\u003c\/li\u003e\n\n  \u003cli\u003eIncome overview\u003c\/li\u003e\n\n  \u003cli\u003eFixed cost tracker\u003c\/li\u003e\n\n  \u003cli\u003ePlanning for variable expenses\u003c\/li\u003e\n\n  \u003cli\u003eSavings goals and reserves overview\u003c\/li\u003e\n\n  \u003cli\u003eMonthly overview for the year\u003c\/li\u003e\n\n  \u003cli\u003eExample month for orientation\u003c\/li\u003e\n\n  \u003cli\u003ePDF quick guide\u003c\/li\u003e\n\n  \u003cli\u003ePrintable monthly overview as PDF\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003cp\u003e\n  The Excel file can be used directly in Microsoft Excel or imported into Google Sheets.\n\u003c\/p\u003e\n\n\u003ch3\u003eYour advantages\u003c\/h3\u003e\n\n\u003cul\u003e\n\n  \u003cli\u003einstantly usable digital file\u003c\/li\u003e\n\n  \u003cli\u003esuitable for Excel\u003c\/li\u003e\n\n  \u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\n  \u003cli\u003eautomatic calculations\u003c\/li\u003e\n\n  \u003cli\u003eclear monthly budget dashboard\u003c\/li\u003e\n\n  \u003cli\u003eideal for beginners\u003c\/li\u003e\n\n  \u003cli\u003eno subscription\u003c\/li\u003e\n\n  \u003cli\u003eno complicated financial app needed\u003c\/li\u003e\n\n  \u003cli\u003edigital download after purchase\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eHow it works\u003c\/h3\u003e\n\n\u003col\u003e\n\n  \u003cli\u003eAfter purchase, you will receive the digital product package as a download.\u003c\/li\u003e\n\n  \u003cli\u003eOpen the Excel file in Excel or upload it to Google Drive to use it with Google Sheets.\u003c\/li\u003e\n\n  \u003cli\u003eEnter your income, fixed costs, variable expenses, and savings goals.\u003c\/li\u003e\n\n  \u003cli\u003eThe dashboard automatically calculates your most important monthly values.\u003c\/li\u003e\n\n  \u003cli\u003eYou see at a glance what truly remains each month.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch3\u003eWhat does the Fixed Cost Compass calculate?\u003c\/h3\u003e\n\n\u003cul\u003e\n\n  \u003cli\u003etotal monthly income\u003c\/li\u003e\n\n  \u003cli\u003emonthly fixed costs\u003c\/li\u003e\n\n  \u003cli\u003eplanned variable expenses\u003c\/li\u003e\n\n  \u003cli\u003esavings goals and reserves\u003c\/li\u003e\n\n  \u003cli\u003efree monthly budget\u003c\/li\u003e\n\n  \u003cli\u003efixed cost ratio\u003c\/li\u003e\n\n  \u003cli\u003emonthly financial buffer\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003ePerfect complement to the Budget Compass\u003c\/h3\u003e\n\n\u003cp\u003e\n  The Fixed Cost Compass is a practical calculation tool for your quick monthly overview. \n  If you also want to work with a detailed PDF planner, it perfectly complements the \n  \u003ca href=\"\/en\/products\/budget-kompass-30-tage-haushaltsbudget-starter-set-pdf\" title=\"Budget-Kompass 30-Tage Haushaltsbudget Starter-Set PDF\"\u003e\n    Budget Compass\n  \u003c\/a\u003e.\n\u003c\/p\u003e\n\n\u003cp\u003e\n  The \u003ca href=\"\/en\/products\/budget-kompass-30-tage-haushaltsbudget-starter-set-pdf\" title=\"Budget-Kompass 30-Tage Haushaltsbudget Starter-Set PDF\"\u003e\n    Budget Compass\n  \u003c\/a\u003e helps you reflect on and improve your money habits step-by-step. \n  The Fixed Cost Compass complements it with automatic calculations and a clear monthly overview.\n\u003c\/p\u003e\n\n  \u003cp\u003e\n  \u003cstrong\u003eAre you planning a move?\u003c\/strong\u003e Then the \n  \u003ca href=\"\/en\/products\/umzugskosten-kompass-umzugskosten-rechner\" title=\"Umzugskosten-Kompass\"\u003e\n    Moving Cost Compass\n  \u003c\/a\u003e \n  can also be helpful to better plan one-time moving costs, deposit, rent start, and new ongoing expenses.\n\u003c\/p\u003e\n\n\u003ch3\u003eDigital Delivery\u003c\/h3\u003e\n\n\u003cp\u003e\n  This is a digital product. No physical item will be shipped. \n  After purchase, you will receive access to the files and can start immediately.\n\u003c\/p\u003e\n\n\u003ch3\u003eImportant Note\u003c\/h3\u003e\n\n\u003cp\u003e\n  This product is for private organization and budget planning. \n  It does not replace professional financial advice, tax advice, debt counseling, or legal advice.\n\u003c\/p\u003e\n\n\u003ch3\u003eFrequently Asked Questions\u003c\/h3\u003e\n\n\u003ch4\u003eIs this a physical product?\u003c\/h4\u003e\n\u003cp\u003e\n  No. This is a digital product. No physical item will be shipped.\n\u003c\/p\u003e\n\n\u003ch4\u003eWhat files will I receive?\u003c\/h4\u003e\n\u003cp\u003e\n  You will receive an Excel file, a PDF quick guide, a printable monthly overview, and a README file.\n\u003c\/p\u003e\n\n\u003ch4\u003eCan I use the product with Google Sheets?\u003c\/h4\u003e\n\u003cp\u003e\n  Yes. The Excel file can be uploaded to Google Drive and opened with Google Sheets. \n  After importing, briefly check that all formulas have been transferred correctly.\n\u003c\/p\u003e\n\n\u003ch4\u003eDo I need Excel?\u003c\/h4\u003e\n\u003cp\u003e\n  No, you can also use the file with Google Sheets. For the Excel version, you need Microsoft Excel or a compatible spreadsheet program.\n\u003c\/p\u003e\n\n\u003ch4\u003eIs the product suitable for beginners?\u003c\/h4\u003e\n\u003cp\u003e\n  Yes. You only enter your income, fixed costs, variable expenses, and savings goals. \n  The dashboard automatically calculates the most important values.\n\u003c\/p\u003e\n\n\u003ch4\u003eIs this financial advice?\u003c\/h4\u003e\n\u003cp\u003e\n  No. The product is for private organization and budget overview. \n  It does not replace professional financial advice, tax advice, debt counseling, or legal advice.\n\u003c\/p\u003e","brand":"Heaviside-Solutions","offers":[{"title":"Default Title","offer_id":54190432846163,"sku":null,"price":4.99,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1083\/8238\/8563\/files\/ChatGPTImage3.Juli2026_22_25_57_1.png?v=1783110379","url":"https:\/\/digital.heaviside-solutions.com\/en\/products\/fixkosten-kompass-monatsbudget-rechner","provider":"Heaviside-Solutions","version":"1.0","type":"link"}