Budget Spreadsheet Google Sheets, All in One Budget Planner, Debt Payoff & Net Worth Tracker, Annual Budget Template, Sinking Funds, Excel

The Slate Money Planner: budget, pay off debt and track your net worth in one automated Google Sheet. Enter each number once and it flows everywhere.

Log a paycheck, a purchase or a debt payment once on the Quick Add tab, and your budget, debt balances, payoff plan, dashboard and net worth all update on their own. No copying numbers between tabs and no formulas to touch.

━━ WHAT IT DOES ━━
• Dashboard: this month's income, spending, savings and debt payments, your debt-free date, net worth and goal progress, plus charts for income vs spending, total debt and net worth.
• Debt payoff tracker: up to 10 debts. Real payments you log lower each balance, and your debt-free date updates.
• Debt snowball AND debt avalanche: pick a method in Settings and see both side by side, including the total interest for each and how much avalanche saves. Freed-up minimums roll over to the next debt automatically. Month-by-month schedule for up to 30 years.
• Balance check-ins (optional): enter a statement balance to check that the sheet still matches your lender.
• Monthly budget spreadsheet: budget vs actual for 12 months, with over-budget amounts in red and year-to-date totals.
• Net worth tracker: enter your account values once a month. Debt balances fill in from the payoff tracker, and a chart shows the trend.
• Savings goals and sinking funds: targets, monthly plans, progress bars and an on-track / behind status.
• Phone-friendly Quick Add tab: works in the Google Sheets app.
• Currency: choose $, £ or € in Settings. The dashboard tiles and the "Amounts in" line on each tab switch to your symbol. Money cells come formatted in $; in Google Sheets you can switch them with Format → Number → Currency (the Excel copy switches them automatically).
• Sample data on/off: one switch in Settings turns the sample household off (it stays visible in light grey), so you start from a clean dashboard without deleting anything.

━━ THE SINGLE-ENTRY FLOW ━━
Quick Add → Budget → Debts → Payoff Plan → Dashboard → Net Worth
Example: log $155 with the category "Debt: Visa Card". That one entry counts toward your budget, lowers the Visa balance, updates the payoff plan and debt-free date, and shows up on your dashboard and net worth. Savings transfers work the same way with "Goal:" categories.

━━ WHAT'S INCLUDED ━━
9 tabs: Start Here (setup guide) · Dashboard · Quick Add · Budget · Debts · Payoff Plan · Net Worth · Goals · Settings (plus 4 hidden helper tabs that do the math and the sample-data switch)
It comes filled with sample data (a sample household) so you can see it working right away. When you're ready, set "Show sample data" to No in Settings: every sample value you haven't changed is ignored and greyed out, and everything you type counts. No scripts or permission prompts. Prefer to type over the sample instead? That works too. Input cells are shaded light tan; everything else calculates for you. Setup takes about 10 minutes.

━━ INSTANT DIGITAL DOWNLOAD ━━
You'll download a PDF with a Make a copy (Google Sheets) link, plus the planner as two backup files: one for importing into Google Sheets (.xlsx) and one for Excel (.xlsx). Nothing is shipped.

━━ COMPATIBILITY ━━
• Google Sheets: all you need is a free Google account. Works in a web browser and the Google Sheets app.
• Excel: the .xlsx copy needs Excel 2019 or Microsoft 365 and is provided as-is.
• Before release, the payoff math was checked against an independent calculator in 200+ snowball and avalanche scenarios, all matching to the cent.

━━ HOW THIS WAS MADE ━━
I designed this planner and decide what goes into it. I used AI tools to help write and test the formulas, generate the sample household data and draft parts of this description. I reviewed and tested everything before listing it.

━━ PREFER JUST ONE PIECE? ━━
The Slate Money Planner already includes everything below. If you only need one part, each is also sold on its own:
- Monthly Budget, $6.99: https://www.etsy.com/be/listing/4587458538/maandelijks-budgetoverzicht-in-google
- Debt Snowball Tracker, $7.99: https://www.etsy.com/be/listing/4587428610/google-sheets-tool-voor-het-bijhouden
- Net Worth & FI Tracker, $9.99: https://www.etsy.com/be/listing/4587458810/nettovermogen-bijhouden-in-google-sheets
Bought separately, the three come to $24.97. The Planner is $19.99, and one entry updates your budget, debt payoff and net worth together.
Launch sale: 25% off everything in the shop through October 15.

━━ PLEASE NOTE ━━
Not financial advice. This is an organizing and estimating tool. Payoff dates and interest are estimates based on the numbers you enter. Colors may look slightly different depending on your screen.

What you need: a free Google account and Google Sheets (works in a web browser and in the Google Sheets app on phones and tablets). The all-in-one sheet includes a Quick Add tab for logging on your phone.
What you get: a PDF with a link to make your own copy of the Google Sheet, plus two backup spreadsheet files (one for importing into Google Sheets, one for Excel). The Excel copy is provided as-is: some formulas and automation may not work in Excel, and support covers Google Sheets only.
Returns: this is a digital download, so it can't be returned, exchanged, or canceled. If something doesn't work as described, message me and I'll fix it. If I can't, I'll refund you.
License: personal use for one household. Please don't share or resell the files.