Ultimate Budget by Paycheck Spreadsheet | Paycheck Budget, Debt Snowball and Sinking Funds | Google Sheets & Excel Template | Dark Mode

All your money in one file: the complete Budget by Paycheck planner PLUS a Debt Payoff planner (Snowball or Avalanche) and Sinking Funds. LIGHT and DARK MODE versions included.

WHAT'S INSIDE

- Start Here: your name, pay schedule, first payday and categories, typed once

- 12 monthly dashboards: paycheck plan, bills, subscriptions, spending by category, savings, debt payments and transactions

- Smart calendar: paydays and bill due dates on a monthly calendar

- Year Overview: all 12 months with a chart

- Debt Payoff: Snowball or Avalanche, debt-free date and total interest

- Sinking Funds: goals, target dates and how much to save per month

- Help & FAQ

FEATURES

✔ Pay dates calculated for you (weekly, biweekly, semi-monthly or monthly)

✔ Every bill matched to the paycheck that pays it

✔ Left to spend per paycheck and per month

✔ Debt-free date and interest saved with extra payments

✔ Save-per-month for every sinking fund, with progress bars

✔ Charts for spending, income vs. spent and savings

✔ No locked cells, change anything

HOW IT WORKS

1. Fill in Start Here once.

2. Add bills, debts and sinking fund goals.

3. Log what you spend. The dashboards, debt plan and savings update by themselves.

YOU WILL RECEIVE

✔ Light version template (.xlsx)

✔ Dark Mode version template (.xlsx)

✔ 2 DEMO files with sample data, so you can see how it works

✔ 1 PDF guide: how to open it in Google Sheets (free) or Excel

PLEASE NOTE

- This is a digital product. Nothing physical will be shipped.

- Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer / Microsoft 365.

- Not compatible with Apple Numbers.

- Due to the digital nature of this item, no returns, but please message us for any help.

- For personal use only (no resale or sharing of the file).