Ultimate Budget Planner

KNOW WHERE EVERY DOLLAR GOES.

An all-in-one budget planner for Google Sheets: monthly budget, bills, savings goals and a real debt payoff plan, in one clean, easy file. One payment, no subscription.

More In One File Than Most Budget Templates

• A full Debt Payoff Planner (Snowball AND Avalanche, up to 10 debts, your debt-free date and total interest) is INCLUDED. Many shops sell a debt calculator as a separate purchase.
• Monthly budget + annual overview + bills tracker + savings goals + dashboard, all connected: type a purchase once and every tab updates.
• A Paycheck Planner (weekly, every 2 weeks, twice a month or monthly) that shows which bills each paycheck has to cover.
• A 52-week Savings Challenge tracker built in.
• 30 categories already set up, so you're budgeting in minutes, not building a sheet.
• Formulas are protected, so a stray tap can't break it.
• Buy once: no subscription, no app, no ads.

WHAT'S INSIDE

• Setup: your income and 30 ready-made spending categories (Bills, Needs, Wants, Savings, Debt) with monthly budgets. Rename, delete or add your own. Zero-based budgeting: see what's left to budget.
• Transactions: log income and spending in seconds (date, category, amount). Weekly is enough.
• Monthly Budget: pick any month and see budget vs. spent for every category, with progress bars and overspending in red.
• Annual Overview: every category for all 12 months, year totals vs. your yearly budget, and what you saved.
• Bills: due days, autopay, a paid box for each month, and DUE SOON / LATE / PAID status.
• Savings Goals: target, saved so far and target date, with progress bars and what to save each month.
• Paycheck Planner: your paydays for the year, the bills due before each next payday, and what's left after bills.
• 52-Week Savings Challenge: count up or down, tick off each week, see your progress.
• Debt Payoff Planner: up to 10 debts, Snowball or Avalanche, extra payments that roll to the next debt. See the payoff month for each debt, your DEBT-FREE DATE, and the total interest you'll pay.
• Dashboard: this month and this year at a glance, savings rate, bills due, debt-free date, spending by group.
• Peach cells are where you type; everything else calculates and is protected.

WHAT THIS IS NOT (no surprises)

• Not a bank-connected app: you type or paste your transactions.
• Not financial advice.

Works In: Google Sheets (free Google account) on a computer or phone, AND Microsoft Excel: a tested Excel version (.xlsx) is included for Excel 365, Excel 2021 or newer, and free Excel for the web.

What You Get: a PDF with a link to make your own copy in your Google Drive, plus a download link for the Excel version. Digital product.

Great for: Budget Planner, Budget Spreadsheet, Monthly Budget, Budget Template, Debt Snowball, Debt Payoff, Savings Tracker, Bill Tracker, Annual Budget, Google Sheets, Finance Tracker, Expense Tracker, Zero Based Budget