Broke to Built Budget System — Biweekly Budget + Debt Payoff Engines (Excel & Sheets)

One workbook that runs your whole money system: biweekly budget, bill calendar, expense tracker, and BOTH debt-payoff engines — snowball and avalanche, side by side, computed from your own numbers.

What you get (instant download):

• Broke2Built-Budget-System.xlsx — 6 tabs, works in Excel and Google Sheets (upload to Drive, opens clean; cross-compatible formulas only)

• Dashboard: income/spent/left this period, debt totals, months-to-free under each method, next bills due — all auto-derived, nothing typed twice

• Debt Payoff: up to 12 debts + one extra-payment lever → 120-month waterfalls for BOTH methods, with freed minimums rolling forward automatically

• Biweekly Budget (26 pay periods, wired to the bill calendar) • Bill Calendar (30 bills) • Expense Tracker (500 rows + monthly category pivot)

Machine-verified, not vibes: every release passes an automated 41-assertion gate — a digit-by-digit hand-computed worked example (both payoff methods, to the cent), a whitelist proving all 7,621 formulas are Excel-AND-Sheets compatible, and an error-value scan of 8,000+ evaluated cells. Red gate = no release.

The honest part: the spreadsheet computes YOUR numbers. We claim nothing about how fast you'll be debt-free or what you'll save — the engine does the arithmetic both ways so you can pick your method with open eyes.

Built in public by Broke to Built — build log, honest ledger, and support at broke2builtai.com.