MFF Ultimate Budget Planner

Ditch the boring budget spreadsheet — this is the one I actually use every month 💛

The MFF Ultimate Budget Planner is a bright, colour-coded spreadsheet built to make budgeting feel doable, not depressing — and it's grown into the full picture: monthly budgeting, debt payoff, and savings goals, all in one place.

✅ A full budget tab for every month, Jan–Dec

✅ Colour-coded Needs / Wants / Savings tracking

✅ A Dashboard that shows any month at a glance, with charts and an honest "on track" or "over budget" check

✅ The 50/30/20 rule tracker with a traffic-light status

✅ A fun "Budget Health Score" out of 100

✅ A Yearly Overview so you can see your whole year in one place

✅ A Debt Repayment tracker — up to 8 debts, each with its own card and a visual progress bar so you can actually watch yourself pay it down

✅ A Savings & Investments tracker — up to 8 goals, each with its own progress bar toward your target

Works in Excel and Google Sheets. Instant download.

This planner is for organisational purposes only and isn't financial advice — just the tool that's genuinely helped me get a handle on my own money.