What it does
- Dashboard: income, spent, saved, and left for any month, budget vs actual by group, top categories, 12-month cash flow, net worth, and debt-free date
- Transactions: room for 1,000 rows; pick a category and the type, group (Needs, Wants, Savings, Debt), and budget month fill in by themselves
- Monthly Budget: plan vs actual per category with % used bars, what is left to spend, and a 50/30/20 check
- Bills & Subscriptions: weekly, every 2 weeks, monthly, quarterly, or yearly; next due date, monthly and yearly cost, and due-soon flags are automatic
- Bill Calendar: a month grid with every due day, repeats included, and the total due that month
- Debt Payoff: up to 10 debts, Snowball vs Avalanche side by side with months to payoff, total interest, debt-free date, and a 12-month payment plan
- Savings Goals and Sinking Funds: progress bars, the amount needed per month, and an on-track status
- Net Worth snapshots, a 12-month Annual Overview with savings rate, and Insights (averages, month-over-month changes, largest expenses)
- Reminders for over-budget categories, bills to pay by hand, uncategorized transactions, and an overdue net worth update
Who it's for
Anyone who wants one calm place for their money: singles, couples, and families budgeting take-home pay, paying off debt, or saving for a home.
What's inside
Two .xlsx files (a blank copy and a filled-in example copy), each with these tabs:
- Start Here
- Setup
- Dashboard
- Transactions
- Monthly Budget
- Annual Overview
- Bills & Subscriptions
- Bill Calendar
- Debt Payoff
- Savings Goals
- Sinking Funds
- Net Worth
- Insights
Works with
Microsoft Excel 2010 or newer (Windows & Mac) and Google Sheets. No macros, no add-ons. Amounts have no currency sign, so any currency works.
Licence
For your own personal or business use. Please don't resell or share the file.
Questions
Do I need Microsoft Excel?
No. The file also works in Google Sheets, which is free: upload it to Google Drive and open it with Google Sheets. In Excel it works in Excel 2010 or newer on Windows and Mac.
How do I get the file?
Right after payment you land on your download page. Your personal download link works for 30 days. If you close the page by accident, open My downloads: enter your PayPal email and the order number (Invoice ID) from your PayPal receipt to get your files again.
Which currency does it use?
Any. Amounts are plain numbers, so type them in dollars, pounds, euros, ringgit, pesos, or your own currency. Tax and fee settings are editable for your country.
Can I use it on my phone?
You can view and edit it in the Google Sheets or Excel app, but it is easiest to set up on a computer.
How do I pay?
Checkout is handled by PayPal. You can pay with your PayPal balance or a debit/credit card. We never see your card details.
How do I contact you?
Message us on WhatsApp at +62 851-2802-8406. We usually reply within one business day. Please include your order number (it starts with BDT- and appears as Invoice ID on your PayPal receipt).
What if the file does not work for me?
Message us on WhatsApp (+62 851-2802-8406) within 14 days of your purchase. We will help you get it working, and if we can't, we will refund you.
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