Budget Planner Spreadsheet-Monthly Budget, Savings Goals & Debt Payoff Tracker (Excel)

Take control of your money with one simple, all-in-one budget planner. Plan your month, track what you actually spend, build your savings and see the date you'll be debt-free. 

What's inside (4 tools + guide)**
- **Monthly Budget:** planned vs actual for income and 16 expense categories, with a left-over total, savings rate, over/under budget alerts and a spending pie chart
- **Annual Overview:** track all 12 months of income, expenses and savings, with a year-at-a-glance chart
- **Savings Goals:** up to 10 goals with progress bars and the monthly amount you need to hit each target date
- **Debt Payoff Tracker:** enter balance, interest rate and payment to see months left, estimated interest and your payoff date
- **Start Here guide:** set up in 5 minutes
- Sample data included so you can see how it works (just overwrite it)

**Why you'll love it**
- Automatic formulas: type your numbers and the sheet does the maths
- Colour-coded: green when you're under budget, red when you're over
- Reusable every month and every year
- Instant download, no waiting

**Works with:** Microsoft Excel (Windows and Mac). Made as an .xlsx file.

**How it works**
1. Buy and download instantly
2. Open in Excel and read the Start Here tab
3. Enter your income and bills, and start budgeting today

*Digital product, no physical item shipped