Debt-Free Starter Bundle: Debt Payoff, Monthly Budget & Savings Spreadsheets

Three PlanfulPanda spreadsheets that work together to get you out of debt, for less than buying them separately ($25.17 → $17.99). Each works in Google Sheets and Excel, has a Start Here tab, and a dashboard that updates itself.

WHAT'S INCLUDED

• Debt Payoff Tracker: snowball and avalanche side by side, your debt-free date and total interest.
• Monthly Budget Spreadsheet: plan every category, log spending, and find the extra money to throw at your debt.
• Savings Goals Tracker: emergency fund and sinking funds with progress bars, so new debt doesn't creep back.

YOU RECEIVE

• Download guide PDF with a "make a copy" button for each Google Sheets template.
• ZIP with all three Excel (.xlsx) files.

HOW IT WORKS

1. Download the files. Open the guide PDF and click a button, then choose Make a copy (or unzip and open the Excel files).
2. Start with the Monthly Budget to see what you can put toward debt each month.
3. Enter your debts in the Debt Payoff Tracker, pick snowball or avalanche, and watch your debt-free date move.

COMPATIBILITY

Google Sheets (free Google account) and Microsoft Excel 2016+. Set-up is easiest on a computer. Not designed for Apple Numbers.

LICENSE

Personal use. Please don't resell, share or redistribute the files.

Digital files can't be returned once downloaded, but if anything doesn't work as described, contact PlanfulPanda and I'll fix it, usually the same day.

Want all six templates? See the PlanfulPanda Complete Money Kit.

Designed by PlanfulPanda with AI-assisted tools; every formula and layout is hand-checked.