Broke to Built Budget System — Biweekly Budget + Debt Payoff Engines (Excel & Sheets)

One workbook that runs your whole money system: biweekly budget, bill calendar, expense tracker, and BOTH debt-payoff engines — snowball and avalanche, side by side, computed from your own numbers.What you get:• Broke2Built-Budget-System.xlsx — 6 tabs, works in Excel and Google Sheets (cross-compatible formulas only)• Dashboard: income/spent/left, debt totals, months-to-free under each method, next bills due — all auto-derived• Debt Payoff: up to 12 debts + one extra-payment lever → 120-month waterfalls for BOTH methods, freed minimums rolling forward automatically• Biweekly Budget (26 periods) • Bill Calendar (30 bills) • Expense Tracker (500 rows + monthly pivot)Machine-verified, not vibes: every release passes a 41-assertion automated gate — a digit-by-digit hand-computed worked example (both methods, to the cent), a whitelist proving all 7,621 formulas are Excel-AND-Sheets compatible, and an error-value scan of 8,000+ evaluated cells.The honest part: the spreadsheet computes YOUR numbers. No claims about how fast you'll be debt-free — the engine does the arithmetic both ways so you pick your method with open eyes.Built in public by Broke to Built — build log and honest ledger at broke2builtai.com.

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