Budget Planner Spreadsheet, Monthly Template, Debt Payoff, Savings Goals, Monthly Budget Template, Budget Tracker, Excel Google Sheets

Budget Planner Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. Take control of your money in 10 minutes a week.

🎥 WATCH THE FULL WALKTHROUGH VIDEO before you buy, every tab explained: https://youtu.be/0XSwnzSYLLk

✨ NOW INCLUDES 4 FILES: a SAMPLE version (filled in so you can see exactly how it works) and a BLANK version (cleared and ready for your own info), each in an Excel edition and a Google Sheets edition.

This all-in-one budget spreadsheet shows you exactly where every dollar goes. You log transactions, and everything else is calculated for you.

★ WHAT'S INCLUDED ★
• Clickable Start Here cover page with quick-start steps and a color key
• Dashboard: pick any month to see income, spending, left over, savings rate, budget used, over-budget categories, net saved this year, net worth, total debt, debt-free date, bills due in the next 7 days and goals funded
• Budget health by group (Needs, Wants, Savings, Debt) with progress bars, your top 5 spending categories with flags, upcoming bills and savings goal progress
• 4 dashboard charts: income vs. expenses, spending by group, top categories vs. budget, net worth trend
• Setup: budget year, income sources, up to 25 expense categories with a group and monthly budget, accounts. Every drop-down reads from here
• Transactions log with room for 1,000 entries, drop-down categories and accounts, income / expense sorted automatically
• Monthly Budget: budget vs. actual for any month with Over / Close / On track flags, a 50/30/20 check and safe-to-spend per day
• Annual Overview: every category, every month, with over-budget months in red, savings rate, running total saved and 3 charts
• Bills tracker: monthly, quarterly and yearly bills with next due date, days left and Paid / Autopaid / Due soon / Overdue status
• Bill Calendar: a month calendar of what's due each day plus a sorted list of bills for that month
• Debt Payoff: up to 10 debts, snowball or avalanche, extra monthly payment, debt-free date, payoff month per debt, interest saved vs. minimums, plus a 30-year month-by-month Debt Schedule
• Savings Goals: up to 10 goals with targets, dates, a monthly deposit grid, progress bars and On track / Behind status
• Net Worth tracker: assets and liabilities month by month, change vs. last month and a trend chart
• Insights: average monthly income and spending, projected savings, best month, category trends vs. your 3-month average, spending by weekday and account, a what-if savings calculator and automatic tips
• 15 built-in charts, conditional formatting and progress bars throughout
• Sample data version plus a blank ready-to-use version

WORKS WITH
• Microsoft Excel (desktop, Mac, web)
• Google Sheets (free): upload the file, then choose File > Save as Google Sheets

HOW IT WORKS
1. Download instantly after purchase
2. Add your categories and budgets on the Setup tab
3. Log your income and spending
4. Watch the dashboard update

Works in any currency ($, £, €, C$, A$ and more): just change the currency symbol.

★ SAVE WITH A BUNDLE ★
Get this template plus 4 more in the Personal Finance Spreadsheet Bundle and save 50%: https://www.etsy.com/listing/4600189972/personal-finance-spreadsheet-bundle
Get this template plus 2 more in the Budget + Trading + Bookkeeping Starter Bundle and save 25%: https://www.etsy.com/listing/4599980883/spreadsheet-bundle-budget-planner

PLEASE NOTE
• This is a DIGITAL download. No physical item will be shipped.
• For personal use only. Not for resale.