{"product_id":"family-budget-planner-debt-payoff-calculator-excel-google-sheets","title":"Family Budget Planner + Debt Payoff Calculator — Excel \u0026 Google Sheets","description":"\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003e\u003cstrong\u003eDescription:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003eTake control of your family's finances in one place — and now, get out of debt faster too.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003eThis 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.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003e\u003cstrong\u003eWhat's new in this edition: the Debt Payoff Calculator.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003e\u003cstrong\u003eEverything included — 8 ready-to-use tabs:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul class=\"[li_\u0026amp;]:mb-0 [li_\u0026amp;]:mt-1 [li_\u0026amp;]:gap-1 [\u0026amp;:not(:last-child)_ul]:pb-1 [\u0026amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eDashboard\u003c\/strong\u003e — your household at a glance: total income, spending, savings, and a monthly breakdown that updates automatically\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eMonthly Budget\u003c\/strong\u003e — set targets for every category and compare planned vs actual\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eIncome Log\u003c\/strong\u003e — track every paycheck, side income and benefit\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eExpense Log\u003c\/strong\u003e — 14 household categories pre-built, essential vs discretionary tracking\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eAnnual Summary\u003c\/strong\u003e — full-year trends and your savings rate at a glance\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eSavings Goals\u003c\/strong\u003e — set targets with deadlines and track progress automatically\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eBills \u0026amp; Subscriptions\u003c\/strong\u003e — every recurring payment in one view\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\"\u003e\n\u003cstrong\u003eDebt Payoff Calculator\u003c\/strong\u003e \u003cem\u003e(new)\u003c\/em\u003e — months to payoff, total interest and debt-free date, worked out for you\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003e\u003cstrong\u003eWorks everywhere:\u003c\/strong\u003e Microsoft Excel, Google Sheets (upload to Drive) and free LibreOffice Calc. No subscription, no login — it's yours to keep.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003e\u003cstrong\u003eInstant digital download.\u003c\/strong\u003e You'll get the file immediately after purchase.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\"\u003e\u003cem\u003eA planning tool for your household, not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpreadSmart","offers":[{"title":"Default Title","offer_id":42932948336736,"sku":null,"price":12.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0669\/8237\/9616\/files\/Family_Annual_Monthly_Budget_Spreadsheet_2048_x_2048_px.jpg?v=1783856510","url":"https:\/\/spreadsmart.store\/products\/family-budget-planner-debt-payoff-calculator-excel-google-sheets","provider":"SpreadSmart","version":"1.0","type":"link"}