Budget & Debt Payoff Spreadsheets
These spreadsheets are for households that want to plan a year of spending and get out of debt with their own numbers. The budget is zero-based across 12 monthly tabs: log a transaction once and the actual column fills itself in, with a paycheck budget, sinking funds for known costs and a year dashboard. The debt payoff tracker puts snowball and avalanche side by side with a minimums-only baseline for up to 10 debts, showing months to debt-free, total interest and the payoff date of every debt. A UK edition uses pounds by default, UK spelling and UK household categories.
Both are .xlsx workbooks with no macros, and each comes with a filled example and a blank Start Fresh copy. Scripts recalculated the workbooks in LibreOffice: the debt plans match a separate Python calculation to the cent. They are planning tools, not financial advice; your lender's statements are the real figures.
All 4 templates
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Monthly Budget Spreadsheet
Plan each month to zero, log spending once, and see your whole year on one dashboard
$1.09 on Etsy -
Debt Payoff Tracker: Snowball vs Avalanche
Compare snowball and avalanche with your own debts and see your debt-free date
$2.79 on Etsy -
Budget + Debt Payoff Bundle
A full-year budget and a snowball vs avalanche debt plan that work together
$3.09 on Etsy -
UK Budget + Debt Payoff Bundle (GBP)
A budget and debt payoff plan in pounds, with UK categories and a monthly payday
$3.49 on Etsy
Which one do I need?
| Template | Best for | Opens in | Files | Inside | Bundle contains | Price |
|---|---|---|---|---|---|---|
| Monthly Budget Spreadsheet | Planning every month to zero | Excel for Mac, LibreOffice | 1 workbook + blank copy + README | 12 monthly tabs, paycheck budget, sinking funds, dashboard | — | $1.09 |
| Debt Payoff Tracker: Snowball vs Avalanche | Choosing a debt payoff plan | Excel for Mac, LibreOffice | 1 workbook + blank copy + README | Up to 10 debts, snowball vs avalanche, tracker, 360-month schedules | — | $2.79 |
| Budget + Debt Payoff Bundle | Budgeting while paying off debt | Excel for Mac, LibreOffice | 2 workbooks + blank copies + README | Full-year budget and snowball vs avalanche tracker | Monthly Budget Spreadsheet, Debt Payoff Tracker: Snowball vs Avalanche | $3.09 |
| UK Budget + Debt Payoff Bundle (GBP) | UK households budgeting in pounds | Excel for Mac, LibreOffice | 2 UK workbooks + blank copies + README | Full-year budget and snowball vs avalanche tracker, in GBP | — | $3.49 |
Prices in US dollars from our listing records. Etsy shows the current price and your local currency at checkout.
Related guide
Debt snowball vs debt avalanche: which pays off faster?
The debt avalanche (highest APR first) always costs the same or less interest than the debt snowball (smallest balance first), and it is often no slower. The snowball clears your first debt sooner, which research links to staying motivated. If you will stick with either plan, avalanche saves money; if motivation is the risk, snowball can be the better bet.
Questions
- Which is better, snowball or avalanche?
The sheet shows both with your own numbers. Avalanche usually costs less interest; snowball clears small debts sooner. It is your choice, and the sheet doesn't give advice.
- Why don't the numbers match my statement exactly?
Lenders often charge interest daily and may add fees. The sheet estimates interest monthly (balance x APR / 12). Update your balances from your statements every few months.
- Can I use my own currency?
Pick USD, GBP, CAD, AUD or EUR on the setup sheet; the symbol updates in the headers. Amounts are plain numbers, so any other currency works too.