The Simple Budget System — Budget, Bills, Debt Payoff & Savings in One Spreadsheet

Your whole month of money, in one spreadsheet that does the math for you.

The Simple Budget System is a 7-tab workbook that runs your budget, your bills, your debt payoff, and your savings goals — all connected, all automatic. Type your numbers in the yellow cells; everything else calculates itself.

What's inside:

• Dashboard — your entire month at a glance: income, spending, money left over, savings rate, total debt

• Monthly Budget — planned vs. actual across housing, transport, food, personal, and giving, with the differences done for you

• Bills & Due Dates — every bill listed once; quarterly and yearly bills converted to their true monthly cost

• Debt Payoff Plan — snowball order (smallest balance first), months to clear each debt, and the interest each debt costs at minimum payments

• Savings Goals — target, saved so far, percent complete, and months to goal for every goal

• Year Tracker — a 30-second month-end habit that builds your whole-year picture

It comes with a complete example household already filled in, so you can see it working the moment you open it — then replace the numbers with your own.

Works in Microsoft Excel, Google Sheets, and Apple Numbers. Instant download.