Personal Budget & Debt Payoff Planner

Build a 50/30/20 budget and see your exact debt-free date.

Type in your income and bills — the planner splits your money into needs/wants/savings, shows where your spending really lands, and counts down the months until you are debt-free as you add extra payments.

What you get

• A live 50/30/20 budget: type your numbers, the plan builds itself.
• Actual-vs-planned tracking so you see the truth, not the wish.
• A debt payoff schedule (snowball or avalanche) with a real debt-free date.

Real example built in: $500 left to assign each month and a 18.5-month debt-free timeline — see exactly how it is calculated.

Works in Microsoft Excel (.xlsx) and Google Sheets. One-time price, no subscription, instant access. Built and tested error-free by a data professional.

Digital spreadsheet template — nothing to install. Licensed for your own use, no resale.