Get on top of the household budget — and see a real plan to clear your debt

The complete Spreadsmart Family Budget Planner is a done-for-you spreadsheet that maps your entire year of income, bills, spending, and savings, and updates itself as you go. No formulas to build, no setup headaches — open it, enter your numbers, and see exactly where your money goes.

But the part people love most is the debt tools.

NEW — Payoff Schedule with one-off extra payments

This is the feature that puts this planner ahead of the rest. Pick a debt, enter the balance, interest rate and your regular monthly payment, and get a full month-by-month plan showing your balance fall to zero. Whenever you can afford to pay a little extra, just type it into the "Extra Payment" column — the balance updates instantly, and the planner shows you how many months and how much interest you've saved. Watch your debt-free date move closer every time you overpay.

Debt Payoff Calculator

List all your debts — credit cards, car loans, store cards — and instantly see the months to payoff, total interest and debt-free date for each, plus a total across them all.

Everything included — 9 ready-to-use tabs:

Dashboard — income, spending, savings and a monthly breakdown, all automatic
Monthly Budget — set target amounts 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
Annual Summary — full-year trends and your savings rate at a glance
Savings Goals — set targets with deadlines, tracked automatically
Bills & Subscriptions — every recurring payment in one view
Debt Payoff Calculator — months to payoff, total interest and debt-free date for every debt
Payoff Schedule (NEW) — month-by-month plan with one-off extra payments and the interest you save

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.

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