THE ULTIMATE SIMPLE BUDGET — Monthly Budget Spreadsheet with Financial Health Check, Automated Bill Tracker & Debt Payoff Planner
Most budget templates are either too basic to be useful or so complicated you give up by week two. This one's different: 7 connected tabs that do the math for you, a built-in Financial Health Check that grades your numbers like an accountant would, and bills that update themselves — so the only thing left for you to do is type in your numbers.
BUILT BY AN ACCOUNTING STUDENT — NOT JUST A DESIGNEREvery formula in this workbook was written with real accounting logic behind it, not just spreadsheet formatting. That's the difference between a budget that looks nice and one that actually tells you something true about your money.
WHAT MAKES THIS BUDGET DIFFERENT
✓ Financial Health Check — A dedicated tab that reads every number in your workbook and grades it against real financial benchmarks: savings rate, debt-to-income ratio, emergency fund coverage, and more. You get an overall score out of 100, a plain-English grade, and it automatically flags exactly where to focus next — the same kind of check-up an accountant would walk you through, built right into the spreadsheet.
✓ Bills That Track Themselves — Mark a bill "Paid" and its next due date schedules itself. Move into a new month and every recurring bill updates to match — no re-typing dates, no forgotten due dates, no manual cleanup.
✓ Debt & Savings Payments Sync Automatically — Tag a paid bill as going toward a debt or savings goal, and it flows straight into your Debt Payoff and Savings Goals tabs on its own. Your balances update in real time, with zero manual re-entry.
WHAT'S INSIDE (7 CONNECTED TABS)
Dashboard — your money at a glance
Monthly Budget — plan it, then track what actually happens
Bill Tracker — every bill, every due date, in one place
Debt Payoff — snowball-method tracker with auto-synced payments
Savings Goals — set targets and watch progress build automatically
Net Worth — track what you own vs. what you owe, month by month
Financial Health Check — your accountant-style score and benchmarks
WORKS WHERE YOU ALREADY AREBuilt for both Excel and Google Sheets — no macros, no add-ons, no subscription. Download it once and it's yours to use every month, forever.
INSTANT DOWNLOADNo waiting, no shipping. As soon as your order goes through, your file is ready.
A NOTE ON GETTING STARTEDThis workbook is color-coded so you always know what to touch: light yellow cells are yours to fill in, everything else calculates on its own. Start with the Monthly Budget tab — every other tab pulls from it.
Questions before or after you buy? Message the shop anytime — I'm happy to help.
