A complete household budgeting system in one spreadsheet. Log your income and expenses once, and watch your monthly budget, bill calendar, debt payoff plan, savings goals and net worth all update automatically.
What’s Inside
✔ Live Dashboard
KPI cards and charts for income vs. expenses, spending by category and your net worth trend, built from your own numbers.
✔ Monthly Budget vs. Actual
Pick any month and see budgeted vs. actual spending per category, with automatic variance and percent-used tracking.
✔ One Transactions Log
Every paycheck and purchase goes in one place, with dropdowns for type, category, payment method and account. It powers every other tab automatically.
✔ Bill Calendar with Aging Alerts
Track recurring bills by due day of the month, with the days-until-due and a color alert calculated for you.
✔ Debt Payoff Tracker
List your balances, APRs and payments to get a snowball payoff order and an estimated payoff timeline for each debt.
✔ Savings Goals & Net Worth Tracker
Set a target and date per goal to see the monthly contribution needed to hit it, and track assets, liabilities and net worth over time.
Perfect For
Anyone who wants one spreadsheet that handles their whole financial picture: monthly budgeting, bill tracking, debt payoff and savings goals, without juggling separate tools.
What You Get
- An 11-tab premium Google Sheet (Make a Copy link, works in Excel and Google Sheets)
- A matching .xlsx file for Excel and Numbers
- Fully editable categories, dropdowns and assumptions on the Settings tab
- Realistic example data so you can see exactly how it works before you enter your own numbers
This template is for personal budgeting purposes and is not financial advice. For advice specific to your situation, consult a qualified financial professional.
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