eh_bud_00_featured_2x1 | eFinancialModels

Financial Model, General Excel Financial Models, Loans and Debt, Personal Budgets, Personal Finance

Budget, Budgeting, Dashboard, Debt Amortization, Excel, Google Sheet, Loans, Personal Finance, Saving Plans, Savings Rate

Plan every paycheck, track what you actually spend, grow your savings goals and see the month you’ll be debt-free. All in one spreadsheet, no formulas to write.

What It Does

Paycheck-based budget: enter each paycheck and assign bills to the paycheck that covers them. See what’s left over from each check
Spending plan with 40 editable categories grouped as Needs, Wants, Savings and Debt, with planned vs actual and remaining
“Left to plan” so every dollar has a job
Transactions log with category dropdowns (500 rows); actual spending flows into the budget automatically
Savings Goals: target, target date and amount saved so far give you the monthly amount needed, a projected finish date and an On track / Behind status
Debt Payoff Planner for up to 8 debts: add an extra monthly payment and compare the snowball (smallest balance first) and avalanche (highest rate first) methods side by side: months to debt-free, debt-free date, total interest and payoff date for each debt
Full month-by-month snowball and avalanche schedules (up to 20 years), formula-driven
Dashboard with 6 key numbers and 4 charts: planned vs actual by group, top categories, debt balance over time, savings goal progress

What’s Included

1 .xlsx file with 8 tabs: Start Here, Dashboard, Budget, Transactions, Savings Goals, Debts, Snowball Schedule, Avalanche Schedule
Plain-English instructions on the Start Here tab, including how snowball and avalanche work
Sample data so you can see it working (clearly labeled, easy to replace)

How To Use It

Excel: open the .xlsx in Excel 2016 or newer, Microsoft 365, or Excel for Mac. No macros.

Google Sheets: in Google Drive click New > File upload, choose the file, open it, then File > Save as Google Sheets. Formulas, dropdowns and charts carry over; chart styling may look slightly different.

Then: set your budget month and paychecks, edit categories, clear the sample data, and list your debts. Yellow cells are inputs, gray cells calculate automatically. For a new month, save a copy and change the month.

Please Note

Payoff dates and interest totals are estimates based on the numbers you enter (fixed rates, no new charges, on-time payments). This planner is an organizing tool, not financial advice. Check your lender statements for exact figures.

Built with AI-assisted tooling and checked for formula errors before release.

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