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Original Price: AU$32.06

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Sale ends on 09 September

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College Budget Spreadsheet | Semester Cash Flow and Financial Aid Planner for Excel and Google Sheets | Find the Week You Run Short

NicheToolkits  
5 out of 5 stars

You can only make an offer when buying a single item.

Star Seller. This seller consistently earned 5-star reviews, dispatched on time, and replied quickly to any messages they received.

Highlights

  • Designed by NicheToolkits
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

Tuition isn't what breaks you. Timing is.

Tuition has a due date. So does your refund — and they are not the same date. The gap between them is where students quietly run out of money, in a week nobody circled on a calendar. This file circles it.

Know the week you run short — before it arrives.

WHAT THE FILE FINDS — from the shipped sample student (Ava Delgado is sample data that ships inside, not a real customer)
· The low point is $23. End of week 3 of fall — Sep 7, 2026 — the exact day the refund was legally due. The dip was visible on the cash flow chart weeks earlier.
· 28 days in fall and 41 in spring where costs come out of pocket before aid lands, built on the federal 10-day and 14-day disbursement rules.
· The gap is $5,710 a year. That is $793 a month, or 394 hours of work at $14.50 an hour. Same shortfall, three ways to feel it.
· $27,000 of federal debt at graduation is $306.85 a month for ten years at 6.52% — 7.08% of a $52,000 starting salary, $9,822 of it interest.

WHAT'S INSIDE — 13 connected tabs
Start Here · Setup · Dashboard · Cost of Attendance · Aid & Funding · The Gap · Refund Timeline · Semester Cash Flow · Move-In & One-Time Costs · Textbooks & Materials · Spending Log · Borrowing Tracker · Reference

FOUR COLOUR THEMES INCLUDED — Classic, Light, Dark and Editorial, same engine.

HONEST ENGINEERING
1,027 formulas · recalculated clean · 150/150 independent math checks · every screen in this listing is the real file. The published cost benchmarks inside are the 2025-26 figures, each cited with its source. Works in Excel AND Google Sheets (one file, both engines — instructions inside). No subscription. Free lifetime updates.

Ava Delgado is shipped sample data, not a customer — every screen works the moment you open it, and clears in one select-and-delete when you're ready to use your own numbers.

PLEASE READ
This is a planning tool, not financial-aid advice. Confirm every figure with your school's financial aid office and at StudentAid.gov before you borrow or budget against it.

WATCH THE FULL WALKTHROUGH ON YOUTUBE: https://youtu.be/lYn2aIOPAt8

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Instant download · personal use · by NicheToolkits

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NicheToolkits
Ryan Smith
NicheToolkits ·

United States

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
·
99 sales
·
5 months on Etsy
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Listed on 27 Jul, 2026
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