Ultimate Personal Finance Spreadsheet | All-in-One Budget, Debt Payoff, Sinking Funds & Net Worth Tracker | Excel & Google Sheets | Instant Download

Your whole financial life, on one screen.

Most people juggle a budget in one file, a debt plan in another, and never really know their net worth. The Sunday Ledger Ultimate Personal Finance spreadsheet puts all four together — budget, debt payoff, sinking funds, and net worth — and actually connects them. One calm Home screen shows your debt falling and your wealth climbing, on the same chart: you owe $22,274, free by Oct 2028, net worth $11,476 and up $1,642 this month.

★ The star feature — enter everything once

This is the part no other template does. Type in a debt one time and it feeds the negative side of your net worth automatically, month after month, while your payoff plan counts it down. Set your paycheck once and it drives your budget, your safe-to-spend, and how fast your funds fill. No entering the same number in two places. No spreadsheets that disagree with each other. You enter it once — the file does the rest.

✦ Four engines, one setup

- Debt Payoff — the snowball method, smallest balance first, with your debt-free date

- Paycheck Budget — see what's safe to spend before your next check

- Sinking Funds — set money aside for big bills before they land

- Net Worth — everything you own minus everything you owe, tracked over 12 months

One six-step Setup tab lights up all four. Fill in only the modules you use — nothing breaks if you skip one.

✦ Budget by any paycheck

Get paid weekly, every 2 weeks, twice a month, or monthly — the budget follows your real pay schedule, not a generic calendar. If you're one of the many people paid on the 1st and the 15th, this handles "twice a month" properly, which most budget templates get wrong. The Paychecks tab lays out your next 12 checks and, for each one, tells you what's safe to spend after bills and savings.

✦ It tells you the truth

Your per-paycheck savings flow straight into your sinking funds, and the file tells you honestly whether it's enough — "Covered +$30" when you're ahead — so you're never guessing. And your sinking funds are deliberately kept OUT of your net worth, so money you've already promised to Christmas or the car repair never inflates your wealth. Honest accounting, built in.

✦ What's included

- All four trackers in ONE Excel (.xlsx) AND Google Sheets file

- A single Home dashboard — one chart with your debt falling and your net worth rising

- 9 tabs: Start Here · Setup · Home · Home (Dark) · Debt Plan · Paychecks · Funds · Net Worth · Tracker

- Room for up to 8 debts, 10 bills, 8 spending categories, 8 funds, and 15 net-worth assets

- Comes with a full worked example (4 debts, 8 bills, 6 categories, 5 funds) so you can see it working before you clear it

- Light & "Midnight Pine" dark version of the Home screen

- Step-by-step Welcome Guide (PDF)

✦ How it works

1. Download instantly after checkout

2. Open in Excel, or in Google Sheets tap File › Make a copy

3. Work through the six-step Setup once

4. Watch your Home screen come alive — and check in on a Sunday

✦ Who it's for

Anyone who wants the whole picture in one place — paying off debt, budgeting by paycheck, saving for what's coming, and watching net worth grow. If you can type a number, you can use this.

✦ Compatibility

- Excel (Microsoft 365, 2019+, Mac & Windows)

- Google Sheets (free — just a Google account)

- No extra software, no subscriptions, nothing to install

✦ FAQ

Q: Do I need all four parts? — No. Use only the modules you want; the rest stay quiet.

Q: Which debt payoff method does it use? — The snowball method: it targets your smallest balance first for fast, motivating wins.

Q: Do I need Excel? — No, the Google Sheets version is 100% free.

Q: Can I get paid twice a month? — Yes — weekly, every 2 weeks, twice a month (the 1st and 15th), or monthly all work.

Q: Is it a one-time payment? — Yes. Buy once, keep forever.

Q: Can I edit it? — Absolutely, it's fully editable.

Terms of use

For personal use only. Please do not resell, redistribute, share, or claim this template or its files as your own. All designs © Sunday Ledger. Thank you for respecting a small shop.

Money, sorted on a Sunday.

Questions before you buy? Message the shop — happy to help. — Sunday Ledger