Debt Snowball Spreadsheet & Payoff Planner
List your debts, pick snowball or avalanche, and see the month you will be debt-free.
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Google Sheets Budget Template & Spending Tracker
Give every dollar a job, track what you spend, and split shared costs as a couple.
$6.30Regular price $9-30%$9
Fall Sale: 30% off at checkout, ends Nov 15.
–Days––Hours––Min––SecA simple monthly budget template for Google Sheets and Excel. Plan every dollar until Left to assign hits $0, log spending as you go, and watch planned vs actual for each category on a one-page budget dashboard. Couples mode splits shared costs 50/50 or by income and tells you who owes whom.
Format: Excel + Google Sheets · PDF guide
License: Personal & Business
Made for you if…
- You want a simple budget for one month at a time, not a year-long workbook
- You share costs with a partner and want a fair split without arguing over receipts
- You like Google Sheets and want a budget dashboard you will actually open
What you’ll get done
- A zero-based plan where every dollar of income has a job
- Planned vs actual for every category, with bills due soon or overdue flagged in color
- Savings goals with a progress bar and a reached-by month, plus a clear couples settle-up
What’s inside
- 01Blank monthly budget template (.xlsx) that opens in Google Sheets and Excel
- 02Example file filled in for a couple in Denver with two incomes, October 2026
- 03Tabs: Setup, Budget (23 categories in Bills, Everyday, Savings & debt and Fun), Spending log (300 rows), Bills calendar, Savings Goals, Couples split and Dashboard with a planned vs actual chart
- 0410-page PDF guide, including how to open it in Google Sheets
- 05Prints on US Letter paper
Goes well with
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Yearly Budget Spreadsheet & Savings Tracker
Plan a whole year of household money, track every month, and see your real savings rate.
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Frequently Asked Questions
Does it work in Google Sheets?
Yes. Your PDF guide has a link that makes your own Google Sheets copy in one click, with no upload needed. Share it with your partner so you both see the same budget. It also works in Excel 2019 or later and Microsoft 365.
How do I start a new month?
Save a copy of the file, change the month on Setup, clear the spending log and reset the bills to unpaid. The steps are printed on the Setup tab. Want all twelve months in one file? That is our Yearly Budget Spreadsheet.
Can couples use it?
Yes. Turn on couples mode, add both names and pick a 50/50 or by-income split. Log who paid each shared cost and the Couples tab works out each partner's fair share and who owes whom. Joint-account spending is counted as already shared.
Is it a download or a subscription?
A one-time download. Pay once and the files are yours to reuse every month.