Paycheck Budget, Debt Payoff & Savings Bundle (Digital Download)

Every paycheck gets a job, every debt gets a payoff date, and every savings goal gets a progress bar, all on one dashboard.

This bundle puts your paycheck budget, a debt snowball/avalanche planner, sinking funds and three savings challenges in one spreadsheet, with matching printables for when you'd rather use a pen.

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 formulas, same dashboard. Use whichever you like.

What's inside

• Budget + Debt + Savings spreadsheet (.xlsx) that works in both Excel and Google Sheets
• FREE: Midnight dark-mode version of the spreadsheet (same features)
• 6 matching printables (one .zip file) in US Letter, A4 and Low-Ink: Monthly Budget, Paycheck Budget, Debt Payoff Tracker, 52-Week Savings Challenge, 100-Envelope Challenge, Sinking Funds Tracker
• Quick-Start Guide (PDF)

The dashboard

• Income this month, spent, left to spend, total debt remaining, debt-free date and savings this year
• Budget status lights for every category (On track / Watch / Over)
• Progress bars for each sinking fund, debt paid off and every savings challenge
• Charts for income vs spending, spending by category, debt balance and sinking funds
• Next 5 bills due and which paycheck pays them

Features

• Paycheck Plan for weekly, biweekly, semi-monthly or monthly pay (3-paycheck months counted)
• Irregular / gig income mode: plan from a baseline and type in each real deposit
• Quick Entry tab built for your phone
• Monthly Budget: planned vs actual for 12 months
• Sinking Funds: set a goal and date and see what to save each month
• Debt Payoff for up to 10 debts, Snowball or Avalanche, with extra payments and a debt-free date
• Savings challenges: 52-week, 100-envelope and Save 5,000 in a Year
• Currency choice ($, £, €, C$, A$) and up to 30 editable categories
• Sample data included. Clear the light-blue cells and start fresh.

How it works

1. Check out. Your download link appears right after checkout and in your order confirmation email, so you can download instantly.
2. Open the .xlsx in Excel, or upload it to Google Drive and choose Open with > Google Sheets.
3. Set your currency, pay schedule and categories on Settings.
4. Clear the sample data and add your bills, debts and goals.
5. Log spending on Quick Entry. The dashboard keeps itself up to date.

Compatibility

• Google Sheets (free with a Google account), on a computer and in the Google Sheets phone app
• Microsoft Excel 2016 or newer (Windows and Mac)
• No macros and no add-ons
• Not built for Apple Numbers
• Printables: any home printer or print shop, US Letter or A4. The Low-Ink version saves toner.

FAQ

Does it really work in Excel and Google Sheets?
Yes. It uses only formulas both programs support. No macros, no add-ons and no Sheets-only functions.

I'm paid weekly, twice a month or irregularly. Will it work?
Yes. Choose weekly, biweekly, semi-monthly, monthly or irregular. For gig, tip or commission income, plan from a baseline and enter each real deposit.

Can I use it on my phone?
Yes. The Quick Entry tab is laid out for the Google Sheets phone app. Use a computer for setup.

Can I compare a consolidation loan or 0% balance transfer?
This bundle covers snowball and avalanche payoff. For consolidation loans and balance transfers, see our Debt Consolidation Calculator.

Not financial advice. This is a budgeting and planning tool. Payoff dates and interest are estimates based on the numbers you enter.

Questions? Email sales@buckeyebrandingcompany.com. We're The Buckeye Branding Company, a small family-run shop in Copley, Ohio, and we answer our own email.

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