Budget + Debt Payoff Bundle cover showing the January budget summary next to the snowball vs avalanche comparison, labelled 2 workbooks, paycheck budget, Excel.
  • Budget + Debt Payoff Bundle cover showing the January budget summary next to the snowball vs avalanche comparison, labelled 2 workbooks, paycheck budget, Excel.
  • Debt Compare sheet with snowball, avalanche and minimums-only columns for months to debt-free, debt-free date, total interest and total paid.
  • Budget January tab showing planned vs actual income, savings and debt payments and budget lines by category.
  • Line chart of total debt owed month by month for snowball, avalanche and minimums only.
  • Paycheck budget page listing which bills each paycheck covers in a bi-weekly pay example.
  • Sinking funds sheet with goals, targets, dates and monthly contributions.
  • Debt progress tracker with monthly planned vs actual balances, a progress bar and debts-cleared checklist.
  • Budget transaction log with dates, descriptions, drop-down categories and amounts.
  • What's included: Budget-Spreadsheet.xlsx and Debt-Payoff-Tracker.xlsx, each with a Start Fresh copy, plus README.pdf.

Budget + Debt Payoff Bundle

Paying off debt works better when the payoff plan and the monthly budget agree with each other. This bundle gives you both workbooks. The budget covers the whole year with zero-based monthly tabs, a transaction log, a paycheck page, sinking funds and a year dashboard. The debt payoff tracker compares snowball and avalanche with your own balances, rates and minimums and shows your debt-free date. The link between them is simple: once you pick a plan, you put its total monthly debt payment into the budget's Debt categories, so the money for debt is set aside every month. Each workbook comes as a filled example and a blank Start Fresh copy. A script recalculated both in LibreOffice. Not financial advice.

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Scripts recalculated these files in Excel for Mac 16.114.3 and LibreOffice. Excel for Windows, older Excel versions and Google Sheets have not been tried.

Instant download from Etsy · nothing shipped

What's included

  • Budget-Spreadsheet.xlsx: filled example of the full-year budget
  • Budget-Spreadsheet-Start-Fresh.xlsx: blank budget for your own numbers
  • Debt-Payoff-Tracker.xlsx: filled example of the debt payoff tracker
  • Debt-Payoff-Tracker-Start-Fresh.xlsx: blank tracker for your own debts
  • README.pdf: how to open the files in Excel or LibreOffice, plus a quick start
What's included: Budget-Spreadsheet.xlsx and Debt-Payoff-Tracker.xlsx, each with a Start Fresh copy, plus README.pdf.

How it works

  1. Debt Compare sheet with snowball, avalanche and minimums-only columns for months to debt-free, debt-free date, total interest and total paid.
    Pick a payoff plan The debt Compare sheet: months to debt-free, debt-free date, total interest and total paid for snowball, avalanche and minimums only.
  2. Budget January tab showing planned vs actual income, savings and debt payments and budget lines by category.
    Budget each month to zero A budget monthly tab with planned vs actual income, savings and debt payments and an "OK: zero-based" check.
  3. Line chart of total debt owed month by month for snowball, avalanche and minimums only.
    Watch the balance fall Total owed month by month under each plan; change the extra payment and the chart redraws.
  4. Paycheck budget page listing which bills each paycheck covers in a bi-weekly pay example.
    Cover bills paycheck by paycheck The paycheck budget assigns each bill to the last payday on or before its due date and shows what is left.
  5. Sinking funds sheet with goals, targets, dates and monthly contributions.
    Save for known costs Sinking funds with targets, dates, monthly contributions and the amount to save each month.
  6. Debt progress tracker with monthly planned vs actual balances, a progress bar and debts-cleared checklist.
    Track what you still owe The debt tracker: planned vs actual balance each month, a progress bar and a checklist of debts cleared.

Compatibility and file formats

Scripts recalculated these files in Excel for Mac 16.114.3 and LibreOffice. Excel for Windows, older Excel versions and Google Sheets have not been tried.

Instant download from Etsy · nothing shipped.

Video

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.

Is the example data real?

No, it is made-up example data so you can see every feature. Use the Start Fresh copy for your own numbers.

Planning tool, not financial or tax advice.

Related

This bundle contains:

Guide: Debt snowball vs debt avalanche: which pays off faster?