Monthly Budget Planner Spreadsheet: Excel & Google Sheets + Printable PDF (Debt Snowball, Sinking Funds, Savings Goals)

A budget planner spreadsheet that does the math for you. Enter your numbers once, then each month just type what actually happened.

The spreadsheet (Excel, Google Sheets, LibreOffice)

• Setup: income, fixed bills with due dates, variable spending, sinking funds, debts and savings goals in one place.
• 12 monthly tabs: planned vs. actual for every line, a "this month at a glance" box and a check that tells you when every dollar has a job.
• Sinking funds: set a target and how many months you have, and it works out how much to set aside each month.
• Debt payoff, snowball vs. avalanche: list up to 8 debts and your extra payment. You see the payoff order, the month each debt is gone, months to debt-free and the total interest for both methods side by side.
• Savings goals: target, monthly amount and progress.
• Annual summary: all 12 months side by side with totals, averages and your savings rate.

The printable PDF (11 pages)

Monthly budget pages, bill tracker, sinking funds, debt payoff planner and tracker, savings goals, expense log, annual summary and notes. Print what you need.

Example numbers are filled in so you can see how it works. Type over the yellow cells and everything else updates.

If buying a home is somewhere on your list, the same habits (a budget you follow, lower debt, steady savings) are what getting mortgage-ready looks like.

Educational tool only. Not a loan offer, rate quote, or financial advice.

Aaron Clark, Licensed Mortgage Loan Officer, NMLS #1770738 · www.nmlsconsumeraccess.org · Equal Housing Opportunity