Complete Money System Bundle Spreadsheet — Budget Planner, Debt Payoff, Bill Tracker, Sinking Funds & Net Worth Tracker, Excel Sheets

Seller's description

Stop juggling five different apps and notebooks. The Complete Money System Bundle puts your entire money life in one premium dark-mode workbook: monthly budget, debt payoff plan, bill tracker, sinking funds, net worth and an expense log — all feeding one dashboard that shows exactly where you stand. No finance degree, no complicated app, no subscription.

• DASHBOARD — cash left, total income and expenses (planned and actual), total debt balance and monthly debt payment, bills due, paid and still unpaid, sinking-fund progress and your net worth — all pulled automatically from the TOTAL rows of the other sheets
• MONTHLY BUDGET — 3 income sources (Primary Job, Side Hustle, Other Income) and 12 expense categories (Housing, Groceries, Dining Out, Transportation, Utilities, Insurance, Health, Entertainment, Shopping, Subscriptions, Savings & Debt Extra, Personal Care), each with Planned, Actual and Difference (Planned − Actual), with TOTAL INCOME and TOTAL EXPENSES rows
• DEBT PAYOFF — 5 sample debts (Visa Card, Store Card, Personal Loan, Car Loan, Medical Bill) with balance, APR, minimum and extra payment; total payment and estimated months to clear (balance ÷ total payment, rounded up — a planning estimate that ignores new interest) calculate themselves, with a TOTALS row
• BILL TRACKER — 10 sample bills with due day, amount and a Paid Yes/No dropdown; total bills, paid total (SUMIF) and unpaid total update themselves
• SINKING FUNDS — 5 funds (Vacation, Car Repair, Holidays, Home Repair, New Phone): target, saved, remaining, % saved and Monthly Needed (remaining ÷ months) all calculate themselves, with a TOTALS row
• NET WORTH — 5 assets and 5 liabilities with totals; net worth = assets − liabilities calculates itself
• EXPENSE LOG — 12 sample purchases with dates, descriptions and category dropdowns matching your budget categories, plus a log total. Clearly marked informational only: the Dashboard reads the Monthly Budget totals, so you never double-count
• START HERE — a friendly 5-step setup guide; up and running in minutes

WHAT'S INSIDE (8 sheets):
• START HERE — friendly 5-step setup guide with a color legend
• DASHBOARD — your complete money system at a glance, fully automatic
• MONTHLY BUDGET — income + 12 expense categories with Planned, Actual & Difference
• DEBT PAYOFF — 5 debts with APR, payments & estimated months to clear
• BILL TRACKER — 10 bills with due days & Paid tracker
• SINKING FUNDS — 5 funds with target, saved, remaining, % saved & monthly needed
• NET WORTH — assets, liabilities & net worth
• EXPENSE LOG — dated purchase log with category dropdowns (informational)

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

WHAT YOU GET: 1 Excel file (.xlsx, 8 sheets) + a ZIP with the same file, 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 ($5,100 actual income, $4,220 actual expenses, $880 cash left, $28,650 total debt, $2,147 in bills paid, $4,250 saved toward goals and a $35,050 net worth) so you can see every formula working — just type over it with your own numbers. Debt payoff months are planning estimates that ignore new interest.

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*