Budget + Debt Payoff OS — Monthly Budget, Debt Snowball & Avalanche Calculator, Savings Goals (Excel)
Know your debt-free date.Budget + Debt Payoff OS is a complete personal-finance system in one Excel file: plan the month, log your spending, and run a real debt-payoff simulation that tells you exactly when you'll be free and what the interest will cost you.WHAT'S INSIDE (9 tabs) Dashboard — income, spending, net, savings rate, total debt, debt-free date, interest on plan, top savings goals with progress bars, latest net worth. Automatic. Budget — planned vs actual by category for any month you pick. Actuals fill themselves from your expense log. Expense Log — 500-row log with category dropdowns. Log it once; every other tab updates. Debts — up to 10 debts. Pick Snowball (quick wins) or Avalanche (least interest) and set your extra payment. The sheet ranks the payoff order and shows months to payoff and total interest per debt. Payoff Plan — a real 120-month simulation. Every debt gets its minimum, your extra attacks the priority debt, and when a debt hits $0 its minimum rolls into the next one automatically. Switch strategy and watch the date move. Savings Goals — targets, progress bars, months to go, done-by dates. Net Worth — 24-month tracker with automatic change column. 8,081 formulas, zero errors. No macros, nothing to install. Built for Excel; imports to Google Sheets. WHY THIS BEATS A FREE TEMPLATEFree debt sheets make you do the rollover math yourself. This one simulates all 120 months with the snowball rollover built in — change one number (your extra payment) and the debt-free date, per-debt payoff months, and total interest all recalculate. Budget and debt live in one file, so the plan and the spending that funds it stay connected.Launch deal: code LAUNCH takes 50% off at checkout.Also in the catalog: Freelancer Finance OS ($19), Small Business Bookkeeping OS ($24), Client CRM + Pipeline OS ($19), Job Search OS ($14), and the free 2026 Freelancer Tax Kit.
Get it → shanty213.gumroad.com