Report this item to Etsy

NowPrice:$5.60

Original Price: $7.00

20% off

•

Sale ends on September 24

Budget Spreadsheet & Debt Payoff Tracker | Monthly Budget Planner, Debt Snowball Avalanche Calculator, Savings Goals | Excel Google Sheets

Includes Etsy Purchase Protection

You can only make an offer when buying a single item

Highlights

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

One workbook for the three questions that matter every month: where is the money going, how fast can the debts be gone, and how far are the savings goals?

WORKS WITH: Microsoft Excel 2016 or newer and Google Sheets (File > Import). DOES NOT: connect to your bank, import transactions automatically, or give financial advice. No macros: you type the amounts once a month and the sheet does the rest.

Type your numbers into the blue cells. Everything else is a formula that updates on its own: no macros, no add-ins, no hidden sheets.

INPUTS (blue cells)
• Currency symbol and first month of your plan
• Monthly Budget: planned and actual amounts per month for income, fixed, variable and savings categories (rename any category)
• Debts: up to 12 debts with balance, APR and minimum payment; extra monthly payment; Snowball / Avalanche dropdown
• Savings Goals: up to 8 goals with target, saved so far and monthly contribution

WHAT YOU GET
• MONTHLY BUDGET: 12 months x 21 categories, planned vs actual, yearly totals, variance, % of income, and a "Safe to spend" line that tells you what is left for variable spending this month
• DEBTS: payoff order for the method you chose, months to payoff, interest paid and payoff date per debt; debt-free date, total interest and total monthly payment; the debt to attack first is highlighted
• PAYOFF SCHEDULE: 60-month roll-forward of every debt. Interest added, minimums paid, the extra pool (extra payment + minimums freed by paid-off debts) goes to the first open debt and any leftover flows to the next. Switch the dropdown and compare Snowball vs Avalanche in one click
• SAVINGS GOALS: still needed, progress %, months to goal and goal date
• DASHBOARD: headline numbers plus two charts (spending by category, total debt balance over time)
• START HERE sheet with instructions and colour legend, and a 1-page PDF guide
• Sample data for a fictional household so you can see how it works; delete the blue cells to start blank

WORKS IN
Excel 2016+ / 365, Google Sheets (upload, then File > Save as Google Sheets), LibreOffice. Only SUM, SUMIF, COUNTIF, IF, IFERROR, MIN, MAX, ROUND, INDEX, MATCH, EOMONTH and TODAY are used. Dates in ISO format, any currency. Every formula was recomputed independently in a separate program: 4,665 formulas, 0 mismatches, for both payoff methods.

NOT
Financial advice, and not an app: it is a spreadsheet you own and can edit. No bank connection. Interest is estimated as balance x APR / 12, which may differ from your statement by a few cents.

Delivery: instant download (ZIP with the .xlsx and a 1-page PDF guide). For personal use; please do not redistribute. Created with AI assistance (disclosed per Etsy policy).

Instant Download

Your files will be available to download once payment is confirmed.  Here's how.

Instant download items don’t accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

Etsy Purchase Protection
Shop confidently on Etsy knowing if something goes wrong with an order, we've got your back for all eligible purchases — see program terms

Shoppers with similar taste loved these

Show more
Show more
Listed on Sep 11, 2026
Homepage Paper & Party Supplies Paper Stationery Design & Templates Templates Planner Templates