Personal Finance Starter Kit — Budget Planner, Net Worth Tracker & Debt Payoff Calculator (Excel + Google Sheets)
Three spreadsheets. One complete picture of your money. 15 minutes a month.Most budgeting apps want a subscription and your bank login. This kit wants neither — it's a one-time purchase you own forever, and your data never leaves your own spreadsheet.What's inside📊 Monthly Budget Planner — 35+ editable categories, planned-vs-actual tracking, a yearly overview, and a live dashboard with your savings rate always front and center.📈 Net Worth Tracker — a full asset & liability statement plus 36 months of one-line-a-month tracking and a trend chart that shows the only number that really matters going up.🎯 Debt Payoff Calculator — enter up to 8 debts and one extra-payment number; it builds your entire month-by-month payoff plan, compares Snowball vs Avalanche ordering, and tells you your exact debt-free month and total interest before you commit.📕 Quick Start Guide (PDF) — set up in under 10 minutes. No spreadsheet skills needed: blue cells are yours, everything else calculates itself.Why this one? Every formula is pre-built and machine-tested — 6,000+ calculations verified against an independent simulation Works in Excel and Google Sheets (upload → "Save as Google Sheets" → done) No subscription, no bank connection, no ads, no data collection Realistic sample data included so you can see exactly how everything works before you enter a single number Who it's forAnyone who wants to actually know: where the money goes, what they're worth, and the date they'll be debt-free.License: personal use. Instant download. Questions? Reply to your receipt email — a human answers.
Get it → nmattinson.gumroad.com