Budget Spreadsheet Bundle, Debt Payoff, Sinking Funds, Mortgage, Net Worth & Bill Trackers, Google Sheets, Excel

Everything you need to take control of your household money, in one download: a monthly budget, a debt payoff plan, sinking funds, a mortgage payoff calculator, a net worth dashboard and a bill tracker.

WHAT'S INCLUDED
- Debt Payoff Planner (.xlsx blank + example file + printable PDF in US Letter and A4)
- Monthly Budget Planner (.xlsx blank + example file + printable PDF in US Letter and A4)
- Sinking Funds Tracker (.xlsx blank + example file + printable PDF in US Letter and A4)
- Mortgage Payoff Calculator (.xlsx blank + example file + printable PDF in US Letter and A4)
- Net Worth Tracker (.xlsx blank + example file + printable PDF in US Letter and A4)
- Bill Payment Tracker (.xlsx blank + example file + printable PDF in US Letter and A4)

FEATURES
- Matching design across all six templates
- Debt Snowball/Avalanche planner with payment schedule
- Zero-based monthly budget with 12 monthly tabs
- Sinking funds with save-per-month targets
- Mortgage extra-payment calculator with amortization
- Net worth dashboard and monthly bill tracker
- Over 50% off compared with buying each template separately

HOW TO USE
1. Download the files from your Etsy Purchases page (instant download, nothing is shipped).
2. Excel: open the .xlsx file. Google Sheets: upload the .xlsx to Google Drive, open it, then choose File > Save as Google Sheets.
3. Start on the 'Start Here' tab and fill in the pale-yellow cells. Everything else calculates for you.
4. Print the PDF pages at home or at a print shop (US Letter and A4 included).

GOOD TO KNOW
- Digital download only. No physical item will be shipped.
- Works in Microsoft Excel 2010 or newer (Windows and Mac) and Google Sheets (free). Apple Numbers and LibreOffice not fully tested.
- Formula cells are protected (no password) to prevent accidental edits.
- Colors may look slightly different on screen vs. print.
- For personal use only. Please don't resell or share the files. (c) Porchlight Ledger
- Educational tools, not financial advice.

ALSO IN THE SHOP
- 2027 Annual Budget & Money Goals Planner (plan your whole 2027 money year): https://www.etsy.com/au/listing/4587779330/2027-annual-budget-and-money-goals
- Holiday Budget & Gift Planner (holiday budget and gift lists): https://www.etsy.com/au/listing/4587778812/holiday-budget-and-gift-planner
- 100 Envelope Savings Tracker (fun savings challenges): https://www.etsy.com/au/listing/4587773147/100-envelope-savings-tracker-52-week-and

AI disclosure: I used AI tools to help build this template (formula drafting, layout, written instructions and the product preview images). Every formula was reviewed and tested in LibreOffice with sample data, and the files were checked before listing.