Ultimate Budget Planner Bundle — Annual Budget Spreadsheet with Bill Tracker, Debt Payoff, Sinking Funds & Net Worth Tracker

Every bill in one app, every debt in another, goals in your head — no wonder money feels scattered. The Ultimate Budget Bundle puts your whole financial year in ONE workbook: annual budget, transaction log, bill tracker, debt payoff, sinking funds, net worth and savings goals, all feeding a single live dashboard.

• DASHBOARD — annual planned budget vs actual spending, budget remaining, income and net cash flow year-to-date, monthly bills total, total debt balance and minimum payments, sinking funds progress, current net worth with its growth, and savings-goal progress — all pulled in automatically
• ANNUAL BUDGET — every category with monthly planned, annual planned, actual YTD and remaining, plus a full 12-month summary of income, expenses, monthly net and cumulative net
• TRANSACTIONS — log every purchase with a category dropdown; your spending log totals itself
• BILL TRACKER — every recurring bill with due day, monthly and annual cost, and a Paid flag — see what's paid and what's still due at a glance
• DEBT PAYOFF — balance, APR and minimum payment for every debt, with Months to Clear calculated for you (guarded formula — it even flags a payment too small to beat the interest)
• SINKING FUNDS — target, saved, remaining and the exact monthly amount needed for each future expense
• NET WORTH — assets minus liabilities tracked month by month, so you watch the big number grow
• SAVINGS GOALS — target, saved, remaining and % saved for every goal, with an overall progress total

WHAT'S INSIDE (9 sheets):
• DASHBOARD — your whole year of money at a glance, fully automatic
• ANNUAL BUDGET — categories × planned/actual with TOTAL rows + 12-month summary
• TRANSACTIONS — spending log with category dropdown and auto total
• BILL TRACKER — bills, due days, paid flags and totals
• DEBT PAYOFF — balances, APRs, minimums and months-to-clear
• SINKING FUNDS — targets, saved and monthly-needed amounts
• NET WORTH — monthly assets, liabilities and net worth
• SAVINGS GOALS — goals with targets, saved and % progress
• START HERE — 5-step setup guide; up and running in minutes

HOW IT WORKS: Download instantly → type in the yellow cells → everything calculates automatically. No spreadsheet skills needed — if you can type, you can run this.

WHAT YOU GET: 1 Excel file (.xlsx, 9 sheets), works in Microsoft Excel and Google Sheets. Instant download.

PLEASE NOTE: Digital download; no physical item ships. The file comes prefilled with realistic sample data so you can see every formula working — just type over it with your own numbers.

FREQUENTLY ASKED QUESTIONS:

Q: I opened the spreadsheet in Google Sheets and it says "view only" — how do I edit it?
A: That happens with Google Sheets from time to time. Open the file, then in the top menu choose File → Make a copy. The copy belongs to you and is fully editable. If it still won't open, try a computer or laptop instead of a phone, a different browser, make sure you're signed in to Google Sheets, and check that your Google Drive has space. Still stuck? Message me on Etsy and I'll help you sort it out.

Q: I can't download my purchase on my phone — what am I doing wrong?
A: Nothing — the Etsy app doesn't support downloading files. Open your browser (log out of the Etsy app first if it keeps redirecting you), sign in to Etsy, and download from your Purchases page on a mobile browser, or use a laptop or desktop. Once the file is saved you can open it on your phone any time.

Q: What exactly is a spreadsheet template?
A: It's a ready-made spreadsheet with all the formatting and formulas already built in. Download it, type in the yellow cells, and everything else calculates itself. Colors, headings and layout can be customized if you like, but you never need to touch a formula.

Q: Can I return or exchange my purchase?
A: Because this is a digital download, returns and exchanges aren't possible once the file has been downloaded — you'll always keep access to it in your Etsy account. If you bought it by accident and haven't downloaded it yet, send me a message and I'll take care of it.

Q: Is it available in other languages?
A: Right now the planner is in English only.

*This digital product has been created with the assistance of AI Tools, then refined by me, the seller*