Budget Spreadsheet Bundle

Budget spreadsheet bundle: three spreadsheets that work together, a monthly budget tracker, a bill tracker and a debt payoff tracker, each with a filled-in sample and its own quick-start guide.

WHAT'S IN THE BUNDLE

1. Monthly Budget Tracker: categories in six groups (income, bills, needs, wants, savings and debt), each with its own monthly budget, one transactions list, and a dashboard with budget vs actual, what is left and a progress bar for any month you pick. Over-budget amounts show in red 2. Bill Tracker: list every bill once (due day, how often, amount, autopay), then type what you pay on a 12-month checklist that colours itself: green paid, yellow due this month, red overdue. The dashboard lists this month's bills in date order with what is left to pay 3. Debt Payoff Tracker: up to 15 debts with balance, interest rate and minimum payment, a snowball, avalanche or custom payoff plan with rollover, your debt-free date, the interest you save compared with minimum payments only, and a payment log

WHAT YOU GET

• 3 zip files, one per spreadsheet. Each holds the blank .xlsx, a filled-in sample .xlsx and that spreadsheet's quick-start guide (PDF)
• Bundle quick-start guide (PDF): how to unzip and open the files, and where to start
• The same three spreadsheets are also sold one by one in our shop; this bundle costs less than buying them separately, so please don't buy both

HOW YOU GET IT

Digital download. After checkout you get a download page right away, plus a receipt by email. Nothing is shipped.

COMPATIBILITY

• Microsoft Excel 2016 or newer (Windows or Mac) and Excel for the web
• Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
• Needs a computer or tablet with a spreadsheet app. These are not apps or printable planners, and they don't connect to your bank

GOOD FOR

Anyone who wants a budget, the bills and a plan to pay off debt in three simple spreadsheets instead of an app with a monthly fee. Works for any year (you set the year or the start month) and any currency.

PLEASE NOTE

Personal planning tools, not financial advice. They do not pay bills, move money or connect to a bank. For your own personal use; please don't resell or share the files.

DISCLAIMER

These templates are planning tools and do not replace advice from a qualified or licensed professional (such as an accountant, financial advisor or lawyer). Check the results before you rely on them.

HOW IT WAS MADE

Designed by VARS Digital with AI-assisted tools. Every formula is checked before release, and each sample file shows its tabs working.

QUESTIONS

Email varsdigitals@gmail.com and we'll help you get set up.