All in One Budget Spreadsheet Excel | Paycheck Envelope Sinking Fund Debt Tracker | Automatic Financial Dashboard

Nine linked tabs and 591 live formulas. Log one grocery run on the ledger and your envelope, your paycheck plan and your dashboard all move. You enter a number once, ever.

Most budget spreadsheets are a nice-looking table you have to keep adding up yourself. This one does the arithmetic and then tells you what the arithmetic means.

THE NINE TABS

- Start Here — a color legend so you always know which cells are yours to type in, and which ones are doing math

- Dashboard — everything below on one screen. Read-only.

- Paycheck Planner — income, bills due before the next check, envelope funding, and what is genuinely left

- Cash Envelopes — a budget per category, with spending filled in automatically, plus a status that flips to ALMOST OUT at 90 percent and OVER when you pass it

- Envelope Ledger — 150 transaction rows with an envelope dropdown, and a running balance showing what is left in that envelope after each purchase

- Sinking Funds — goal, deadline and monthly set-aside, with an ON TRACK column that tells you the exact amount per month you are short by if you aren't

- Subscriptions — every recurring charge normalized to a monthly figure, with dropdowns and an annual win-back total

- Debt Payoff — months to payoff and total interest calculated per debt, with your snowball order ranked and the next debt to attack named

- Trip Budget — estimated against actual across eight categories with subtotals

THINGS IT DOES THAT PAPER CAN'T

The teller match check: enter how many of each bill you're withdrawing and the cell turns green only when the cash matches your envelope budgets to the penny. The big-picture block: bills, envelopes, subscriptions, sinking funds and debt payments added into one monthly outflow against your income, with the margin colored red or green.

Everything is undated. Start in any month, any year, and reuse it indefinitely.

WHAT YOU NEED

Microsoft Excel on Windows or Mac. Also opens in the free LibreOffice Calc. This is an .xlsx file, not a printable — a print-friendly view is included on the tabs that make sense on paper.

THIS IS A DIGITAL DOWNLOAD

No physical item ships. Files are available immediately after purchase. For personal use only — please don't resell, share, or redistribute the file. Because it is delivered instantly, all sales are final, but message me if anything doesn't work as described and I will sort it out.