Budget Spreadsheet Bundle, 9 Personal Finance Templates for Google Sheets & Excel, Paycheck Budget, Debt Snowball, Sinking Funds, Net Worth

Your whole money plan in one easy download. The Money Bundle gives you nine simple spreadsheets that work together: three ways to budget (a full-year zero-based budget, a paycheck budget and a one-page monthly budget), a bill tracker, sinking funds, a debt snowball, a savings tracker, a savings challenge and a net worth tracker. A 1-page Start Here guide tells you which sheet to open first, so you're never stuck. They work in Google Sheets and Microsoft Excel, and it's an instant digital download.

✿ SAVE 71% COMPARED WITH BUYING THEM ONE BY ONE
• Zero-Based Budget Planner: $8.99
• Debt Snowball Tracker: $8.99
• Savings Tracker: $7.99
• Paycheck Budget: $5.99
• Net Worth Tracker: $5.99
• Sinking Funds Tracker: $4.99
• Monthly Budget Mini: $2.99
• Bill Tracker Mini: $2.99
• Savings Challenge Mini: $2.99
Bought one by one: $51.91. The bundle: $14.99. You save $36.92.
(Prices during our 40% off sale. You still save 71% when the sale ends.)

✿ MADE FOR REAL LIFE, NOT SPREADSHEET EXPERTS
• Every sheet has a Start Here tab, and you only type in the blush-colored cells
• Plain English everywhere, with short tips next to every box
• A friendly check on every row if something needs a look
• Each sheet comes with a BLANK copy, a filled-in SAMPLE to explore and its own short guide
• Formulas are locked in Excel so nothing breaks by accident

✿ WHAT'S INSIDE: 9 SHEETS
1. BILL TRACKER MINI: All your bills on one page. Due dates, what's due next, and a tick for each month from January to December. Room for 20 bills.
2. PICK YOUR BUDGET (three styles, use the one that fits you):
• ZERO-BASED BUDGET PLANNER: Give every dollar a job, for all 12 months on one screen. Log what you spend and see what's left this month. 27 ready-made categories you can rename, room for 800 spending lines, and a Dashboard that prints on one page.
• PAYCHECK BUDGET: Paid every week or every 2 weeks? It lays out every payday of the year, matches each monthly bill to the paycheck before it's due and shows what's left to spend. Room for 30 bills.
• MONTHLY BUDGET MINI: Prefer one page? Plan the month, track it and see what's left over. Each line tells you if you're on plan or over.
3. SINKING FUNDS TRACKER: Set a little aside each month for big costs that come once a year, like car repairs, gifts and holidays. See what to put in this month and which funds are fully funded.
4. DEBT SNOWBALL TRACKER: Type your debts and see your debt-free date, the interest you'll save and which debt to pay next. Choose Snowball, Avalanche or your own order. Includes a progress bar and a balance chart.
5. SAVINGS TRACKER: Up to 20 savings goals, what to save each month to stay on track, and a 52-week savings challenge.
SAVINGS CHALLENGE MINI: Tick a box each time you save. 100 Envelopes ($5,050), $5,000 or $10,000 in 100 boxes, or type your own goal.
6. NET WORTH TRACKER: What you own minus what you owe, month by month. Milestones to celebrate and a chart of your progress.

✿ BUNDLE EXTRAS
• Start Here guide (1-page PDF): which sheet to use first, how to open your files in 2 minutes, and a simple monthly routine
• Sheets are sorted into numbered folders, in the order to use them

✿ WHAT YOU RECEIVE
• Start_Here_Money_Bundle.pdf
• Neatly_Planned_Money_Bundle_1_Bills_and_Budgets.zip: Bill Tracker Mini, Zero-Based Budget Planner, Paycheck Budget and Monthly Budget Mini
• Neatly_Planned_Money_Bundle_2_Savings_Debt_and_Net_Worth.zip: Sinking Funds Tracker, Debt Snowball Tracker, Savings Tracker, Savings Challenge Mini and Net Worth Tracker
Each sheet: a BLANK .xlsx, a SAMPLE .xlsx and a How To Use PDF.

✿ WORKS WITH
• Google Sheets (free) and Microsoft Excel for Windows and Mac (Excel 2016 or newer, or Microsoft 365)
• Log spending on your phone in the free Google Sheets or Excel app (unzipping and setting up is easiest on a computer)
• No macros, add-ins or subscriptions

✿ HOW TO USE IT
1. Download the files and unzip them (double-click each zip; on Windows, click Extract all).
2. Open the Start Here guide.
3. Google Sheets: open Google Drive, click New › File upload and choose a BLANK file. Open it, then click File › Save as Google Sheets. Excel: double-click the file. If you see "Enable Editing," click it.

✿ GOOD TO KNOW
• This is an INSTANT DIGITAL DOWNLOAD. No physical item will be shipped.
• Your files are available right after purchase from your Etsy Purchases page (You › Purchases and reviews).
• Already own one of our sheets? These are the same sheets, so check what's inside before you buy.
• The names and amounts in the SAMPLE files are made up for illustration.
• These are planning tools, not financial advice.
• For personal use only. Please don't share, resell or redistribute the files.

✿ RETURNS & REFUNDS
Because these are digital files you get instantly, we can't accept returns, exchanges or cancellations. If anything isn't working, please message us through Etsy and we'll make it right.

Designed with the help of AI tools, and built and tested by hand by Neatly Planned Sheets.