Budget Spreadsheet for Excel & Google Sheets, Monthly Planner with Dashboard, Debt Payoff, Sinking Funds

A budget workbook with every formula already built in. Type or paste your transactions into the month tab, and your budget vs. actual, the year dashboard, sinking funds and your debt-free date update on their own.

WHAT IT DOES
• 12 monthly tabs: transactions on the right, budget vs. actual per category on the left, with progress bars and a leftover number
• Dashboard: income, expenses, savings and debt payments per month, savings rate, charts, and what is left to spend this month
• Categories tab: rename categories, set type (income, expense, savings, debt) and monthly budgets once; every tab follows
• Bills tracker with due days, monthly cost of quarterly and yearly bills, next due date and a tick box per month
• Sinking funds and savings goals: target, date, saved so far, and the amount to set aside each month
• Debt payoff for up to 8 debts: snowball and avalanche side by side with debt-free month, total interest, interest saved vs. minimums, payoff order with dates and a balance chart
• Dropdowns for categories, and a check that warns you about transactions with an unknown category

WHAT YOU GET
• Stillpenny-Budget-Spreadsheet.xlsx: the blank template for your year
• Stillpenny-Budget-Spreadsheet-EXAMPLE.xlsx: the same workbook filled with sample data, so you can see how it all works
• Start Here guide (PDF, English and German)

HOW TO OPEN IT
• Microsoft Excel (Windows or Mac, Excel 2010 or newer, including Microsoft 365): download and double-click.
• Google Sheets (free): open Google Drive, upload the .xlsx file, open it with Google Sheets, then choose File > Save as Google Sheets. The template uses only functions that both Excel and Google Sheets support. Charts can look slightly different in Google Sheets.
• Apple Numbers and LibreOffice can open .xlsx files, but we have not tested them.
• Phone or tablet: you can view and edit in the Excel or Google Sheets app; setting it up is easier on a computer.

HOW DELIVERY WORKS
After purchase, Etsy gives you the files to download (by email and under You > Purchases). Tip: the Etsy app cannot download files, use a web browser.

GOOD TO KNOW
• Digital item, nothing is shipped. No subscription.
• By purchasing you agree that the download starts immediately and acknowledge that you lose your right of withdrawal once it has started (EU).
• Not tax or financial advice.
• Prefer an app that shows what you can safely spend today? See the Stillpenny apps in our shop.

Built by Oddlynew GmbH with AI-assisted development.