Excel Debt Payoff Planner: 12-Month Automated Budget Tracker with Smart Debt/Savings Split

The full-year upgrade to our monthly Budget Planner, now fully automated.

If you love the simplicity of our single-month planner, this is the annual version built for people who want to see their whole year at once, without the manual work.

What's new in this version:

✅ Full 12-month tracking in one file, so you can plan and compare every month without switching spreadsheets

✅ Smart 70/30 debt-to-savings split (fully adjustable) that automatically suggests how to allocate your leftover money each month

✅ Fewer, simpler tabs than before. Everything you need, nothing you don't

✅ Fully automated formulas. Enter your numbers once and everything calculates for you

✅ Seamless month switching. Change the month from a dropdown and watch your dashboard and graphs update instantly, no manual edits required

What's inside:

• Dashboard with automatic visual summaries
• Budget and bills tracker
• Debt payoff planner with suggested payments
• Savings and net worth tracker
• Simple welcome guide to get started fast

Why people choose this planner:

Most debt trackers assume a perfect month every time. This one is built for real life. Whether your income changes, a month goes off track, or your priorities shift, the planner adjusts with you instead of falling apart.

Perfect for: anyone ready to move beyond single-month tracking and see their full financial year in one place, with less manual data entry and more automation.

Instant digital download. Compatible with Excel on Mac and PC. No subscriptions, no add-ons, just open and go.