Six powerful spreadsheet tools in one free download — budgeting, debt payoff, emergency savings, and net worth tracking, all pre-built and ready to use. No subscription. No upsell. Just the tools that actually work.
Used by 50,000+ Americans • Works in Excel & Google Sheets • Free Forever
Assign every dollar before the month starts. Pre-built income and expense categories with auto-totals so you always know exactly where you stand.
Step-by-step payoff schedule sorted from smallest balance to largest. Includes a “✓ PAID” tracker so you can celebrate every win along the way.
Highest-interest-rate-first strategy that saves the most money over time. Ideal if you’re carrying high-rate credit card debt and want out fast.
Visual progress bar toward your 3-month and 6-month savings targets. Tracks contributions month by month so building your cushion feels real.
Total assets minus total debts, updated automatically each month. Watch the number climb and finally have proof your plan is working.
Enter your balances and interest rates — see exactly how much your debt is costing you every single month you wait to pay it off.
Download the full toolkit and start using it today. Works offline in Excel or free in Google Sheets — no account, no subscription, ever.
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PaycheckGuide_Budget_Tracker.xlsx 6 worksheets · Works offline · No account needed
Click the link in your confirmation email to download the .xlsx file. Open it in Microsoft Excel or upload it to Google Sheets — it works perfectly on both, on Mac, PC, or any device.
Go to the Setup worksheet and enter your take-home income, fixed expenses, and current debt balances. It takes about 10 minutes and all the other worksheets populate automatically.
Once a month, update your balances and log your spending. Your Net Worth Dashboard updates automatically — and every month, you’ll see concrete proof that your plan is working.
Yes — completely and permanently free. There is no premium version, no trial period, and no credit card required. We share it because it works and because helping people take control of their finances is the whole point of this site. You can unsubscribe from our email list at any time with one click.
Yes. The .xlsx file opens in Microsoft Excel on both Mac and PC with full functionality. You can also upload it to Google Sheets for free and access it from any browser, Chromebook, or mobile device. All formulas are compatible with both platforms and have been tested on both.
Absolutely. The Monthly Budget Planner, Emergency Fund Tracker, and Net Worth Dashboard are just as valuable if you’re debt-free. Knowing where every dollar goes, building a safety net, and watching your net worth grow month over month are habits that matter regardless of whether you carry a balance.
Every month you wait is another month without a plan. The toolkit takes 10 minutes to set up and the results speak for themselves. It’s free. There’s no reason not to start today.
We’ll send it straight to your inbox — no spam, ever.
🔒 No spam. Unsubscribe anytime. 100% Free.
See our Privacy Policy.