Budget and Debt Payoff Spreadsheet Bundle for Excel and Google Sheets

Plan paychecks and compare debt repayment strategies with two separate spreadsheet tools for Excel and Google Sheets: the Biweekly Paycheck Budget and the Debt Payoff Tracker.

WHAT'S INCLUDED
• Biweekly Paycheck Budget: 4 workbooks (Light and Dark themes, each with sample data and blank), in one zip file
• Debt Payoff Tracker: 4 workbooks (Light and Dark themes, each with sample data and blank), in one zip file
• Start Here PDF guide for both, with 8 one-click Google Sheets copy links, Excel steps, and how to use the two together

BIWEEKLY PAYCHECK BUDGET
• Plan each paycheck: income, bills, everyday spending, savings and sinking funds
• Weekly, biweekly or monthly pay, with 3-paycheck months handled automatically
• Bills and debt payments land on the paycheck that covers their due date
• Transactions log, sinking funds, savings goals and a 10-debt payoff tab
• Annual dashboard with income vs. spending, top categories and savings progress

DEBT PAYOFF TRACKER
• Track up to 20 debts: credit cards, loans, medical bills and more
• Snowball vs. Avalanche vs. minimums only, side by side
• Interest-saved calculator: change your extra payment and see the estimated savings
• Projected payoff date for every debt, plus your projected debt-free date
• Month-by-month schedule and a payment log with ahead / on plan / behind status

HOW THEY WORK TOGETHER
1. In the Debt Payoff Tracker, choose Snowball or Avalanche and an extra monthly amount, and see which debt to pay first.
2. Enter the same debts in the budget's Debts tab and add the extra payment to your first-target debt.
3. Each minimum + extra payment shows up on the paycheck it's due in, so your budget already accounts for it.
4. Log payments in both files. When a debt is paid off, move its payment to the next one.
The two workbooks are separate files and don't sync automatically. You copy a few numbers across, and the guide shows you how.

COMPATIBILITY
✔ Google Sheets (free Google account; one-click Make a copy links in the guide, or upload the files)
✔ Excel 2016 or newer, Windows or Mac
✘ Not designed for Numbers or LibreOffice
A computer is recommended for setup.
The workbooks come in zip files; Google Sheets users can skip them and use the copy links.

DIGITAL DOWNLOAD
This is a digital product. No physical item will be shipped. You'll receive a download link after purchase.

PERSONAL USE LICENSE
For your own personal or household use. Please don't resell, share or redistribute the files.

PLEASE NOTE
• The names and numbers in the sample editions are fictional, for demonstration only.
• Projections are estimates (monthly interest at APR/12, same payment every month, no new charges).
• These are planning tools, not financial advice.
• Already own one of the two? You may prefer to buy the other one on its own.

Questions? Contact us through the shop and we'll help.

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