Bill Tracker & Savings Challenges Spreadsheet (Digital Download)

See every bill coming, know which paycheck pays it, and make saving a game. A focused bill tracker with a paycheck plan, a bill calendar, one-tap calendar reminders, room for 100 bills and 6 savings challenges. Works in Google Sheets (free) and Excel. Digital download.

Light or dark, your choice

You get two versions of the same spreadsheet: Daylight (bright and clean) and Midnight (dark mode, easier on the eyes at night). Same tabs, same features. Print from Daylight for the cleanest paper copy.

What's inside (4 files)

• Bill Tracker & Savings Challenges spreadsheet (.xlsx) in the Daylight style, 18 tabs, for Google Sheets and Excel
• Also included: Midnight dark-mode version of the spreadsheet (same features)
• Printables (one .zip file): 14 pages in US Letter, A4 and Low-Ink black and white
• Quick-Start Guide (PDF): step-by-step setup, with a QR code to the how-to video

Why this one

• Paycheck mapping: pick how often you are paid (weekly, every 2 weeks, twice a month or monthly) and type one payday. Every bill is matched to the paycheck that covers it, and you see what is left on each of your next 6 paychecks
• Room for 100 bills. Each paycheck lists every bill it pays, even with all 100 filled in, and the Quick Log holds 2,000 payments
• A "+ Calendar" link on every bill opens Google Calendar with the bill name, amount and due date filled in, set to repeat. No macros, no add-ons
• Weekly, every-2-weeks, monthly, quarterly, every-6-months and yearly bills on one month calendar, each marked Paid, Due soon, Overdue or Autopay
• A subscription audit with the yearly cost of each subscription, keep or cancel, and a reminder 2 days before each renewal
• 6 savings challenges that count what you have done, never streaks: a missed week or paycheck stays open and never wipes your progress
• Works in Excel 2016 or newer and in free Google Sheets, with 14 printables and the Midnight copy included

How it works

1. Check out. Your download link appears right after checkout and in your order confirmation email.
2. Open the .xlsx in Excel, or upload it to Google Drive and choose File > Save as Google Sheets.
3. On Setup, choose how often you are paid and type one real payday and your take-home pay. On Bills, add one row per bill: amount, how often, due day (or one due date) and autopay. Next due, status, the paycheck that pays it and a + Calendar link fill in by themselves.
4. Mark it paid: tap a check mark on the Paid Checklist, or add one row to the Quick Log from your phone. Autopay bills can mark themselves paid on the due date.

Spreadsheet tabs (18)

• START HERE and Setup: paydays, take-home pay, "due soon" days and the autopay setting
• Dashboard: 6 live tiles, bills due in the next 14 days (overdue first) with calendar links, savings progress and 6 charts
• Quick Log (phone-first): date, bill, amount, late fee
• Bills: up to 100 bills with category, amount, fixed or varies, how often, due day or date, autopay, account nickname and where to pay
• Paycheck Plan: your next 6 paychecks side by side, every bill each one pays, set-asides and what is left
• Bill Calendar: a month grid with every bill on its due day, plus the month's bills in date order with reminder links
• Paid Checklist: bills by 12 months, tap to check off each month
• Bill History: what you actually paid each month, average, highest, last paid and late fees
• Year at a Glance: monthly totals, extra-paycheck months, how much to set aside and the irregular bills by month
• Bill Sinking Funds: save for big bills a little each paycheck
• Subscriptions: monthly and yearly cost, how often you use it, keep or cancel, renewal reminders
• 52-Week Challenge, 26-Paycheck Challenge, 100 Envelopes, $5 Bill Challenge, No-Spend Days and Custom Goals

The savings challenges

• 52-Week Challenge: forward ($1 up to $52) or reverse, any amount per step
• 26-Paycheck Challenge: one box per paycheck, dated from your own paydays. Step up ($10, $20 … $260 = $3,510), step down or the same amount each time
• 100 Envelope Challenge: envelopes 1 to 100 ($5,050 at $1 each, or half or double), with a daily pick of an open envelope
• $5 Bill Challenge: tick a box for every $5 bill you set aside, with your own goal and milestones
• No-Spend Days: a full-year grid, a monthly goal and your own rules
• Custom Goals: two goals of your own, split into 10 to 100 deposits, with a "to finish on time" amount

Printables (14 pages)

Binder cover, monthly bill checklist, bill calendar (month view), paycheck planner, irregular bills year at a glance, bill payment log, subscription audit, 52-week challenge (forward and reverse), 26-paycheck challenge, 100 envelope chart, $5 bill challenge, no-spend days year tracker and a savings goal tracker. Each in US Letter, A4 and Low-Ink.

Compatibility

• Google Sheets (free) on a computer, phone or tablet
• Microsoft Excel 2016 or newer for Windows and Mac, and Excel for the web
• No macros, no add-ons, nothing to install
• Printables: any PDF reader, any home printer, US Letter or A4

Want the full budget?

This tracker is focused on bills and saving. For a full monthly budget, sinking funds for every goal and a debt payoff plan, see our Paycheck Budget, Debt Payoff & Savings Bundle, or get all three in the Money Reset Bundle.

Good to know

• Not financial advice. This is a tracker to organize your bills and savings. It does not pay bills, move money or connect to your bank.
• Privacy by design: there is no place for account numbers, card numbers or passwords anywhere in the file. Use nicknames like "Main checking". Your tracker lives in your own Google Drive or on your own computer.
• Reminders come from the Google Calendar events you save. The spreadsheet itself does not send alerts.
• Paydays that move for weekends or holidays may be a day or two off; type the real amount for any single paycheck.
• The file includes sample bills, payments and challenge marks so you can see it working; START HERE lists exactly which cells to clear.

Questions? Email sales@buckeyebrandingcompany.com. We're The Buckeye Branding Company, a small family business in Ohio. Designed by Buckeye Branding with the help of AI tools.

Digital download only. No physical item ships. For personal use only. Please don't share or resell the files.