Family Budget Planner + Debt Payoff Calculator — Excel & Google Sheets

Description:

Take control of your family's finances in one place — and now, get out of debt faster too.

This is the complete edition of the Spreadsmart Family Budget Planner: a done-for-you spreadsheet that maps your whole year of income, bills, spending and savings, then updates itself as you go. No formulas to build, no setup headaches. Open it, enter your numbers, and see exactly where your money goes.

What's new in this edition: the Debt Payoff Calculator. List your credit cards, car loans or store cards, enter the balance, interest rate and the monthly payment you can afford — and the sheet instantly works out how many months until each debt is clear, the total interest you'll pay, and your debt-free date. Change the payment and watch the numbers update. It's the clearest way to see a real plan for clearing what you owe.

Everything included — 8 ready-to-use tabs:

• Dashboard — your household at a glance: total income, spending, savings, and a monthly breakdown that updates automatically
• Monthly Budget — set targets for every category and compare planned vs actual
• Income Log — track every paycheck, side income and benefit
• Expense Log — 14 household categories pre-built, essential vs discretionary tracking
• Annual Summary — full-year trends and your savings rate at a glance
• Savings Goals — set targets with deadlines and track progress automatically
• Bills & Subscriptions — every recurring payment in one view
• Debt Payoff Calculator (new) — months to payoff, total interest and debt-free date, worked out for you

Works everywhere: Microsoft Excel, Google Sheets (upload to Drive) and free LibreOffice Calc. No subscription, no login — it's yours to keep.

Instant digital download. You'll get the file immediately after purchase.

A planning tool for your household, not financial advice.