Daily expense tracker for Ghana: print it, or type your costs and download them

Costs only, in cedis, with cash and MoMo. Print the sheet, or add costs in the box and download them as a CSV for Excel or Google Sheets.

On a phone: tap the button, then choose Save as PDF or your printer. The blank sheet is the one that prints.

Example with made-up names and numbers. The blank sheet below is the one that prints.

Date: 8 Oct 2026

Business or person: Example (made-up numbers)

No.	What I paid for	Group	Cash GH₵	MoMo GH₵
1	Bag of rice (stock)	Stock	620.00
2	Trotro to the market	Transport	12.00
3	Data bundle	Airtime and data		10.00
4	Helper, half day	Wages	40.00
Total spent today			GH₵ 682.00

Type your costs here, then download them

Add each cost as you pay it. Nothing is saved or sent anywhere: when you close the page the list is gone, so download it first.

DateWhat you paid for

GroupPaid byAmount, GH₵

Date	What	Group	Paid by	GH₵

No costs added yet.

Blank expense sheet (prints alone)

How to use it

Write each cost the moment you pay it, with the group (stock, transport, rent, airtime and so on). A cost you write tonight is half remembered.
Mark whether you paid cash or MoMo. At night, the cash costs should match what left your box, and the MoMo costs what left your wallet.
Once a week add each group. The group with the biggest number is where your money goes.
To keep the list on a computer: add the costs in the box above and tap Download as CSV. Open the file in Excel, or in Google Sheets with File, then Import, then Upload. On a phone that will not download, tap Copy for Google Sheets, open a sheet, tap a cell and paste.

This sheet is for costs. Sales go on the daily sales sheet; what is left is sales in, minus the costs here. No figure on this page needs a source: it is a blank form and an example with made-up numbers.

Questions people ask

Is there a free daily expense tracker template for Ghana?

Yes, this one: a printable A4 sheet in cedis with a cash and a MoMo column, and a box to type costs and download them.

How do I use an expense tracker template in Google Sheets?

Add your costs in the box above and tap Copy for Google Sheets, then paste into a cell. Or tap Download as CSV and use File, Import, Upload in Google Sheets.

Is there an expense tracker template in Excel?

Download the CSV above and open it in Excel: it has the columns Date, What, Group, Paid by and Amount, ready to total.

How to track daily expenses for a small business?

Write each cost when you pay it, with a group and cash or MoMo, then add the groups once a week. The sheet above has those columns.

Does the tracker save my costs?

No. Nothing is stored or sent. Download or copy the list before you close the page.

Free money notebook for any business in Ghana. No password, no MoMo PIN, no Ghana Card.

Last checked 8 October 2026. Free to print and use; nothing you write here is sent anywhere. General information, not legal or tax advice. Privacy