• May include: A Google Sheets template titled Personal Finance Command Center displayed on a laptop screen. The interface features a dashboard with financial metrics, a paycheck plan, and sections for bills, debt, and net worth tracking.
  • May include: A digital interface display titled What's Inside 19 tabs, all connected. It features a grid of nineteen labeled buttons including Start Here, Dashboard, Paycheck Plan, Monthly Budget, Paychecks, Bills, Bill Calendar, Transactions, Budget, Savings Goals, Debts, Debt Plan, Debt Schedule, Subscriptions, Net Worth, Accounts, Balances, Year, and Settings. Two black buttons at the bottom read Sample + Blank copies included and Step-by-step PDF guide, with Calebstemplates at the base.
  • May include: A digital paycheck plan template titled Know what is safe to spend. The interface displays a Paycheck Plan header, input fields for pay periods, and a breakdown of income minus bills, subscriptions, savings, and debt payments.
  • May include: A digital bill calendar template featuring a monthly grid layout. The header displays totals for bills, paid amounts, and remaining balances. Individual days show bill names and costs in grey or red text. Includes the text Bill Calendar.
  • May include: A digital spreadsheet template titled Paychecks: A year of paydays, filled in. It features a table with columns for pay date, earner, expected and actual amounts, received status, notes, and adjustments, displaying sample financial data.
  • May include: A digital monthly budget template featuring a table with columns for income, expenses, and savings. The interface displays categories like housing, utilities, and groceries with planned versus actual spending data, including group totals and over-budget flags.
  • May include: A financial spreadsheet template titled Net Worth, Debt, savings and net worth. It displays a table with monthly data for assets, liabilities, and net worth, including a summary section with figures like $4,094 and $26,194.
  • May include: A flowchart titled 'HOW IT WORKS: Everything fills in for you' showing a process from Paychecks, Bills, Paycheck Plan, Budget, Transactions, and Savings Goals to a Dashboard and Net Worth, with explanatory text at the bottom.
  • May include: An instructional graphic titled Instant Access Ready in 2 minutes. It outlines three steps: 1. Buy, 2. Download the PDF, and 3. Make a copy. Bottom text lists requirements: Free Google account, Desktop & mobile browser, Nothing to install, Google Sheets, not Excel.
  • May include: A digital display of Google Sheets templates from CalebsTemplates featuring a list of financial tools including a Paycheck Budget Planner, Monthly Budget Spreadsheet, Bill Tracker, Spending Tracker, Savings Goals Tracker, and Net Worth Tracker.
  • May include: A Google Sheets template titled Personal Finance Command Center displayed on a laptop screen. The interface features a dashboard with financial metrics, a paycheck plan, and sections for bills, debt, and net worth tracking.
  • May include: A digital interface display titled What's Inside 19 tabs, all connected. It features a grid of nineteen labeled buttons including Start Here, Dashboard, Paycheck Plan, Monthly Budget, Paychecks, Bills, Bill Calendar, Transactions, Budget, Savings Goals, Debts, Debt Plan, Debt Schedule, Subscriptions, Net Worth, Accounts, Balances, Year, and Settings. Two black buttons at the bottom read Sample + Blank copies included and Step-by-step PDF guide, with Calebstemplates at the base.
  • May include: A digital paycheck plan template titled Know what is safe to spend. The interface displays a Paycheck Plan header, input fields for pay periods, and a breakdown of income minus bills, subscriptions, savings, and debt payments.
  • May include: A digital bill calendar template featuring a monthly grid layout. The header displays totals for bills, paid amounts, and remaining balances. Individual days show bill names and costs in grey or red text. Includes the text Bill Calendar.
  • May include: A digital spreadsheet template titled Paychecks: A year of paydays, filled in. It features a table with columns for pay date, earner, expected and actual amounts, received status, notes, and adjustments, displaying sample financial data.
  • May include: A digital monthly budget template featuring a table with columns for income, expenses, and savings. The interface displays categories like housing, utilities, and groceries with planned versus actual spending data, including group totals and over-budget flags.
  • May include: A financial spreadsheet template titled Net Worth, Debt, savings and net worth. It displays a table with monthly data for assets, liabilities, and net worth, including a summary section with figures like $4,094 and $26,194.
  • May include: A flowchart titled 'HOW IT WORKS: Everything fills in for you' showing a process from Paychecks, Bills, Paycheck Plan, Budget, Transactions, and Savings Goals to a Dashboard and Net Worth, with explanatory text at the bottom.
  • May include: An instructional graphic titled Instant Access Ready in 2 minutes. It outlines three steps: 1. Buy, 2. Download the PDF, and 3. Make a copy. Bottom text lists requirements: Free Google account, Desktop & mobile browser, Nothing to install, Google Sheets, not Excel.
  • May include: A digital display of Google Sheets templates from CalebsTemplates featuring a list of financial tools including a Paycheck Budget Planner, Monthly Budget Spreadsheet, Bill Tracker, Spending Tracker, Savings Goals Tracker, and Net Worth Tracker.
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Budget Spreadsheet Google Sheets | Paycheck Budget, Bill Tracker, Debt Payoff and Net Worth Command Center for Couples

Item highlights

  • Digital download
  • Digital file type(s): 2 PDF

Seller's description

Know what is safe to spend before your next paycheck. This Google Sheets budget spreadsheet runs your whole household's money from one file: budget by paycheck and by month, bills and a bill calendar, spending, savings goals, debt payoff and net worth, all connected. No bank logins, no subscription.

━━━ WHAT YOU GET ━━━
- A START-HERE PDF with two "Make a copy" buttons:
– Ready-to-use copy for your own household
– Sample copy filled with a made-up household (the Reeds), so you can see how it works
- A step-by-step PDF guide (setup, every tab, FAQ, troubleshooting)

━━━ WHAT'S INSIDE (19 TABS) ━━━
DASHBOARD – today at a glance
- Income and spending this month, left to spend, and safe to spend until payday
- Bills due soon, categories over budget and savings goals that are behind
- Emergency fund progress, total debt with a debt-free date, net worth, and two charts

PAYCHECK PLAN – pick a pay period
- Paychecks minus bills due, subscriptions renewing, savings set-asides and debt payments, minus what you have already spent = safe to spend
- A list of the bills due in the period and a strip of your next 6 pay periods

PAYCHECKS – a year of paydays, filled in
- Pick each earner's pay frequency (weekly, every 2 weeks, twice a month, monthly) and first payday on Settings: the dates appear by themselves
- One or two earners; type Actual and Received as pay lands; move a payday or add a paycheck any time

BILLS and BILL CALENDAR
- Every recurring bill, weekly through yearly, with next due date, days left and a status: Due soon, Due today, Overdue or Paid
- A month calendar with the bills due each day and the day's total; paid bills turn grey, late bills red

TRANSACTIONS, BUDGET and MONTHLY BUDGET
- Up to 5,000 transactions: income, expenses, transfers, debt payments and savings, with a Check column
- A monthly plan for 24 starter categories (rename them or add your own)
- Plan vs. actual for any month by group and category, with Over and Watch flags, left to assign and savings rate

SAVINGS GOALS – emergency fund and sinking funds
- Target, date and monthly plan: saved, percent done, needed per month, On track or Behind, and a progress bar

DEBTS, DEBT PLAN and DEBT SCHEDULE
- Snowball or avalanche with an extra payment: your debt-free date, interest and the interest you save
- A month-by-month payoff schedule

SUBSCRIPTIONS – monthly and yearly cost, next renewal and a Keep, Review or Cancel decision for each

NET WORTH, ACCOUNTS and BALANCES
- Assets, liabilities and net worth by month, with a chart; log balances once a month

YEAR – every category by month against your plan, with your savings rate

SETTINGS and START HERE – household, earners, categories and a 6-step setup checklist

━━━ PERFECT FOR ━━━
Individuals, couples and families paid weekly, biweekly, twice a month or monthly who want one private Google Sheet for budgeting, bills, debt and savings.

━━━ HOW IT WORKS ━━━
1. Buy and download the START-HERE PDF
2. Click a button while signed in to Google, then "Make a copy"
3. Open your copy and follow the 6 setup steps on the Start Here tab

━━━ GOOD TO KNOW ━━━
- Google Sheets only: you need a free Google account. This is not an Excel file.
- Works in any browser on a computer, tablet or phone. Setup is easiest on a computer.
- Nothing to install, no add-ons, no scripts, no bank connections: you type your own numbers and nothing leaves your sheet.
- The sample household, categories and accounts are made-up examples: replace them with your own.
- The year of paydays covers 52, 26, 24 or 12 paychecks per earner; add more on the empty rows, or start a fresh copy.
- A planning and record-keeping tool. This is not financial, tax or legal advice.
- Screenshots show the sample copy with made-up data.

━━━ LICENSE ━━━
For use by one person or one household. Please don't resell, share or redistribute the template or its links. Digital download: no physical item will be shipped. Because it's a digital file, returns aren't accepted, but if something isn't working, message me and I'll help.

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“This template fits all of my needs my monthly budgeting! Very easy to purchase, download and use!”

Alex

28 days ago

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NowPrice:$23.24

Original Price: $30.99

25% off

•

Sale ends on November 30

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Instant download

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

Seller's description

Specifications

May include: A Google Sheets template titled Personal Finance Command Center displayed on a laptop screen. The interface features a dashboard with financial metrics, a paycheck plan, and sections for bills, debt, and net worth tracking.

Know what is safe to spend before your next paycheck. This Google Sheets budget spreadsheet runs your whole household's money from one file: budget by paycheck and by month, bills and a bill calendar, spending, savings goals, debt payoff and net worth, all connected. No bank logins, no subscription.

━━━ WHAT YOU GET ━━━
- A START-HERE PDF with two "Make a copy" buttons:
– Ready-to-use copy for your own household
– Sample copy filled with a made-up household (the Reeds), so you can see how it works
- A step-by-step PDF guide (setup, every tab, FAQ, troubleshooting)

━━━ WHAT'S INSIDE (19 TABS) ━━━
DASHBOARD – today at a glance
- Income and spending this month, left to spend, and safe to spend until payday
- Bills due soon, categories over budget and savings goals that are behind
- Emergency fund progress, total debt with a debt-free date, net worth, and two charts

PAYCHECK PLAN – pick a pay period
- Paychecks minus bills due, subscriptions renewing, savings set-asides and debt payments, minus what you have already spent = safe to spend
- A list of the bills due in the period and a strip of your next 6 pay periods

PAYCHECKS – a year of paydays, filled in
- Pick each earner's pay frequency (weekly, every 2 weeks, twice a month, monthly) and first payday on Settings: the dates appear by themselves
- One or two earners; type Actual and Received as pay lands; move a payday or add a paycheck any time

BILLS and BILL CALENDAR
- Every recurring bill, weekly through yearly, with next due date, days left and a status: Due soon, Due today, Overdue or Paid
- A month calendar with the bills due each day and the day's total; paid bills turn grey, late bills red

TRANSACTIONS, BUDGET and MONTHLY BUDGET
- Up to 5,000 transactions: income, expenses, transfers, debt payments and savings, with a Check column
- A monthly plan for 24 starter categories (rename them or add your own)
- Plan vs. actual for any month by group and category, with Over and Watch flags, left to assign and savings rate

SAVINGS GOALS – emergency fund and sinking funds
- Target, date and monthly plan: saved, percent done, needed per month, On track or Behind, and a progress bar

DEBTS, DEBT PLAN and DEBT SCHEDULE
- Snowball or avalanche with an extra payment: your debt-free date, interest and the interest you save
- A month-by-month payoff schedule

SUBSCRIPTIONS – monthly and yearly cost, next renewal and a Keep, Review or Cancel decision for each

NET WORTH, ACCOUNTS and BALANCES
- Assets, liabilities and net worth by month, with a chart; log balances once a month

YEAR – every category by month against your plan, with your savings rate

SETTINGS and START HERE – household, earners, categories and a 6-step setup checklist

━━━ PERFECT FOR ━━━
Individuals, couples and families paid weekly, biweekly, twice a month or monthly who want one private Google Sheet for budgeting, bills, debt and savings.

━━━ HOW IT WORKS ━━━
1. Buy and download the START-HERE PDF
2. Click a button while signed in to Google, then "Make a copy"
3. Open your copy and follow the 6 setup steps on the Start Here tab

━━━ GOOD TO KNOW ━━━
- Google Sheets only: you need a free Google account. This is not an Excel file.
- Works in any browser on a computer, tablet or phone. Setup is easiest on a computer.
- Nothing to install, no add-ons, no scripts, no bank connections: you type your own numbers and nothing leaves your sheet.
- The sample household, categories and accounts are made-up examples: replace them with your own.
- The year of paydays covers 52, 26, 24 or 12 paychecks per earner; add more on the empty rows, or start a fresh copy.
- A planning and record-keeping tool. This is not financial, tax or legal advice.
- Screenshots show the sample copy with made-up data.

━━━ LICENSE ━━━
For use by one person or one household. Please don't resell, share or redistribute the template or its links. Digital download: no physical item will be shipped. Because it's a digital file, returns aren't accepted, but if something isn't working, message me and I'll help.

  • Designed by
    CalebsTemplates
  • Item type
    Digital download
  • Digital file type(s)
    2 PDF
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Meet your seller

CalebsTemplates
Caleb Schweinsberg
CalebsTemplates ·

Louisville, Kentucky

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
·
17 sales
·
8 months on Etsy
Caleb Schweinsberg
3 shop members

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