Budget Spreadsheet Bundle – Family Budget Planner, Debt Avalanche vs Snowball & Retirement Savings Calculator

All three Fernbrook money spreadsheets in one download:

- Debt Payoff Calculator: Avalanche vs Snowball (compare both methods side by side, up to 8 debts, estimated debt-free dates and interest)

- Family Budget Planner: Budget vs Actual (up to 50 lines in 12 groups, monthly and year-to-date dashboard, savings rate)

- Retirement Savings Calculator: compound growth, inflation-adjusted value and an illustrative withdrawal-rate income (4% by default, editable, not a guarantee)

Yellow input cells, formulas locked, works in any currency. Excel and Google Sheets (.xlsx, no macros).

Created with AI assistance and checked with automated formula tests. Not financial advice; for general information and planning only. It is not debt, investment, pension or tax advice, and no saving, payoff, return or retirement result is guaranteed. Results are estimates based on your own inputs. Assumed growth and withdrawal rates are editable and illustrative. Investments can fall as well as rise.

Cover and preview background photos are AI-generated. Every spreadsheet view shown is a real screen from the file.

The 4% withdrawal rate is a historical US research rule of thumb (often linked to Bengen / the Trinity study). It is not a guarantee or recommendation. Sequence-of-returns risk and inflation matter; it may not suit UK or EU retirees. Taxes and fees reduce what you receive. Consider speaking to a regulated financial adviser (FCA-regulated in the UK; CMVM / Banco de Portugal in Portugal).

Avalanche and snowball are general debt-payoff methods only; this product does not guarantee you will become debt-free. For free UK debt help: MoneyHelper, StepChange, National Debtline. For pensions, MoneyHelper / Pension Wise offer guidance. Named for information only; Fernbrook Guides is not affiliated with or endorsed by them.

Fernbrook Guides is not affiliated with or endorsed by Microsoft (Excel), Google (Sheets) or LibreOffice; the names are used for information only.

Price includes VAT where applicable.

Refunds: if you're not happy for any reason, ask for a full refund within 14 days of purchase. If a file is faulty, we fix it, replace it or refund you. Your legal rights are not affected.

Support: teamaijjgroup@gmail.com

Instant download: by buying, you ask for the file to be delivered straight away and agree that you lose your 14-day right of withdrawal once the download is made available. Faulty files are still fixed, replaced or refunded.