Budget Spreadsheet & Expense Tracker for Google Sheets & Excel — Debt Snowball, Sinking Funds & Subscription Audit | Google Sheets Copy Included

💰 BUDGET SPREADSHEET — GOOGLE SHEETS + EXCEL

📗 Sheets copy included · 🌙 Dark + Light · ⚡ Instant download

Most budget templates are a list of boxes you fill in.

This one does the arithmetic.

✅ WHAT YOU GET

• 📗 A ready-made Google Sheets copy — one tap, "Make a copy"

• 📊 Dashboard — in, out, left over, saving rate, at a glance

• 🧾 Expense tracker — 500 rows, category dropdowns

• 📅 Budget — planned vs actual, 16 categories, over-budget in red

• 🏦 Sinking funds — for the bills that are not monthly

• 💳 Debt payoff — snowball AND avalanche, side by side

• 🔁 Subscription audit — annualised, with a cancel total

• 🌙 Dark and Light themes, both included

• 📗 Google Sheets copy link, inside the download

💳 THE DEBT PAGE

• Enter balance, rate and payment

• See snowball order and avalanche order together

• Months to clear, and what the interest costs you

👉 Snowball clears one debt sooner. Avalanche costs less.

Both are shown — pick one and follow it.

🏦 SINKING FUNDS — THE PAGE THAT STOPS SURPRISES

• Christmas, car service, insurance, holiday

• Put in the target and the date you need it by

• It tells you what to set aside each month

monthly for things that are not monthly.

🔁 THE EXPENSIVE PAGE

• Every subscription, annualised

• Mark Keep, Cancel or Not sure

• It totals what cancelling would save

👉 "$12.99 a month" doesn't change behaviour.

"$155.88 a year" does.

📗 GOOGLE SHEETS VERSION INCLUDED

• A link inside your download — tap it, "Make a copy", done

• No importing, no add-ons, nothing to install

• Formula cells are protected there too

👉 Or just open the Excel file. Both are in the download;

use whichever you actually live in.

🗓️ ONE SHEET, EVERY MONTH

• Type a new month on Settings

• Every total switches to it

• Your transactions are never filtered or deleted

👉 One file for the whole year, not twelve copies.

🙅 WHAT THIS ISN'T

❌ Not connected to your bank — you type the transactions in

❌ Not financial advice. It's arithmetic, not a recommendation

❌ It can't remind you of anything. It's a spreadsheet.

❌ Debt projections assume you keep paying the same amount

and add no new spending. They're estimates, not quotes.

⚡ DELIVERY

• Instant download · 3 files, no zip to wrestle with

• Start Here PDF (with the Google Sheets link)

• Dark .xlsx + Light .xlsx

• Excel 2016+ · Google Sheets · WPS · LibreOffice

• Yours forever · ♾️ free lifetime updates

LICENCE — personal use. Not for resale.

— Kavya, Planora Co