# Start here — 2026 Personal Finance Tracker

Clone of [ohmygoshna 2026 Personal Finance Tracker ($13 · 7 ratings · 5.0★)](https://ohmygoshna.gumroad.com/l/2026).

## Guide index

See [mesh-hub.md](mesh-hub.md) for all 4 dev.to buyer-channel guides.

## 10-minute setup

1. Copy the five template CSVs to your workspace.
2. Log income, expenses, debts, savings goals, and account balances.
3. Run the dashboard:

```bash
python3 personal_finance_tracker_2026.py income-sample.csv expenses-sample.csv debts-sample.csv savings-sample.csv accounts-sample.csv
```

4. Review debt snowball order (smallest balance first) and savings rate.

## Monthly routine

- Log new transactions when they happen — not at month-end.
- Update debt balances after each payment.
- Re-run the CLI — snowball rank and net worth update instantly.

Not financial advice. Confirm debt strategy with a licensed professional.