The Legacy Budget & Wealth Tracker

Take control of every shilling, and watch your wealth grow.

The Legacy Budget & Wealth Tracker

Most people don’t have an income problem. They have a plan problem. Money goes on M-Pesa charges, school fees arrive as a surprise, loans pile up quietly, and investments sit scattered across five apps. At the end of the year, you are left wondering where it all went.

The Legacy Budget & Wealth Tracker changes that. This Excel tool was designed by Coach Susan for real African financial lives. SACCOs, chamas, school fees, extended family support, money market funds, treasury bonds and SHA are all built in, so you never have to force your life into a budget made for someone else.

Formulas are done for you. Just fill in your numbers.

Key Features:

Plan with confidence

Monthly Budget Planner: plan your month, then compare what you budgeted with what you actually spent
Sinking Funds: save for school fees, insurance, Christmas and more, with monthly targets that flow straight into your budget
Goals Planner: turn your 2 to 15+ year goals into a clear monthly figure

Track what really happens

Annual Tracker: a 12-month view of your real income, spending and savings rate
Financial Health Dashboard: your income, expenses, surplus, net worth, total debt and savings rate, all updating automatically

Get out of debt

Debt Freedom Tracker: see the true payoff time including interest, your % paid off, and a countdown to becoming debt-free

Build and protect your wealth

Net Worth Calculator: know what you are truly worth, quarter by quarter
Investment Portfolio Tracker: MMFs, T-bills and bonds, SACCOs, NSE shares, pension and property in one place, with allocation charts
Insurance Tracker: life, medical (including SHA), motor and income protection, so you know your cover, your premiums and your gaps

User Manual and Coaching Notes (PDF)

A tracker only works if you know how to use it, and why. That’s why it comes with a complete guide.

Part 1: Using Your Tracker

Step-by-step setup in 9 steps, tab by tab, plus a simple routine to keep your tracker up to date.

Part 2: How to Budget for Your Best Life.

5 budgeting strategies, savings and debt freedom, irregular income and windfalls, extended family support, and protecting your wealth.

This tracker is for you if:

You earn well but can’t say where your money goes each month
You’re juggling loans and want a clear, realistic path to debt freedom
You have investments in different places and want to see them all at once
Your income is irregular and you need a plan that works in lean months too
You support family and want to give generously without sacrificing your own future
You’re ready to stop surviving month to month and start building wealth

Screenshots

Your money, finally working to a plan

Every shilling with a purpose. Every goal with a monthly number. Every debt with an end date. Every investment in one view.