Finance Spreadsheet Bundle | Debt Payoff Calculator, Family Budget Planner & Retirement Savings Calculator | Excel & Google Sheets

All 3 spreadsheets in one download: Debt Payoff Calculator, Family Budget Planner and Retirement Savings Calculator.

Each is a standalone .xlsx file for Excel, Google Sheets or LibreOffice, with yellow input cells, locked formulas, an Instructions tab, example data that clears easily and a dashboard with charts. They work in any currency.

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.

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.

Digital download only: no physical item is shipped.

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.

Seller information: https://payhip.com/FernbrookGuides/legal-notice-seller-information