Hidden
Templates · Plainwork
Personal Budget & Debt Payoff Planner (Excel)
A 12-month budget, snowball vs avalanche debt payoff, savings goals and net worth in one workbook.
One-time price, VAT includedExcel and Google SheetsDownload link by email
Try it
Use the real workbook before you buy.
Open the actual sheets of this file, see what each yellow area does, and change the key number to see what the workbook calculates.
Explore a preview with sample inputs. The downloadable workbook is the full product.
What you get
Built, tested, ready to use.
- 12-month budget with planned vs actual per category, money left over and overspending highlighted in red
- Transactions log with category drop-downs that fills the actual columns automatically
- 50/30/20 check that shows your real needs, wants and savings split against the targets you choose
- Debt payoff calculator for up to 10 debts comparing snowball and avalanche: payoff month per debt, total interest and debt-free date
- Full month-by-month payoff schedule for 30 years, built with plain formulas you can inspect
- Savings goals with monthly amount needed and progress bars, plus a net worth tracker with chart
In the download
- budget-debt-planner.xlsx - workbook with 10 sheets (Start here, Settings, Dashboard, Budget, Transactions, Debt payoff, Snowball, Avalanche, Savings goals, Net worth)
- README.txt - quick start, how the debt calculation works, Google Sheets notes
- LICENSE.txt - licence terms
Personal or business use. Not for resale. Refunds: see our refund page.