Cash Cow - Bills + Budget + Money Goals Tracker
CASH COW — BILLS & DEBT TRACKERSpreadsheet Template for———This is for every person who has ever opened their banking app and felt their stomach drop.You know the bills are coming. You know what you owe. But somewhere between the due dates, the autopays, the "I'll deal with it later," and the impulse buy that felt necessary in the moment, the full picture gets blurry. You don't know what's actually left until it's already gone.And debt doesn't wait for you to feel ready to look at it.This spreadsheet makes sure you always know exactly where you stand. Not someday. Today.You log what comes in and what goes out. The sheet does the rest.———WHAT'S INSIDE🚀 Start Here - plain-English setup guide, no spreadsheet experience needed📊 Dashboard - your whole financial picture at a glance: total debt, this month's bills, cash on hand, savings, and what's actually left to spend or save🗺️ Money Map - track where every dollar physically lives right now, across bank accounts, payment apps, prepaid cards, and cash, so nothing gets lost between paychecks💵 Cash on Hand - a running log for physical cash in and out, with a balance that updates itself📅 Bills, Jan through Dec - twelve tabs you'll use every year, forever. Log your bills, mark them paid, and see exactly what's left over after everything is covered🛍️ Impulse & Unexpected Spending - a built-in log on every month's tab, so you can see exactly how much impulse buys or surprise expenses ate into your month, and look back over a full year to spot the pattern💳 Debts - every debt in one place, with automatic snowball and avalanche payoff ranking, so you always know which one to attack next🔁 Subscriptions - every recurring charge in one place, with annual cost calculated automatically, because $9.99 a month adds up faster than you think🐷 Savings Goals - track everything you're saving for, from an emergency fund to a big purchase to retirement, with live progress and how many months until you get there🏦 Accounts Reference - a clear record of what every account is for and its current status———✨ OVER 300 BUILT-IN FORMULASYou don't need to know spreadsheets. Fill in the blue cells, everything else calculates on its own. Debt payoff order, monthly totals, savings progress, what's left to spend. It's all done for you.———I built this because I was living it. I needed to see the whole picture in one place or I was going to lose track of who I owed what, and I couldn't find a tracker built for someone actually in it, not just budgeting in theory. Financial apps are either over/under built and cost another subscription fee every month, many budget spreadsheets are vastly overbuilt so they are daunting to look at let alone use. So I built the one I needed and hope you can find this is a happy middle ground for your financial needs too.———📁 WHAT YOU GET 1 x .xlsx file (works in Microsoft Excel, Google Sheets, and Apple Numbers) can work on the mobile versions of these programs too! Instant download, delivered to your inbox automatically after purchase Twelve evergreen monthly bill tabs you reuse every year, no rebuilding required Unlimited customization, every bill, debt, and goal is yours to rename and reshape Freedom from another app, another fee, another subscription. Buy once, track and reuse forever. ———Cash Cow, because knowing exactly where you stand is how you get free.
Get it → britluntecollective.gumroad.com