{"title":"Budget Planners","description":"\u003cp\u003eA budget only works if it fits how you actually get paid. These planners come in monthly, paycheck, and full-year versions, so you can see where your money goes and what's left to save. Change the categories to match your life and use them in Excel or Google Sheets.\u003c\/p\u003e","products":[{"product_id":"debt-payoff-tracker-spreadsheet-snowball-avalanche-planner-excel-google-sheets","title":"Debt Payoff Tracker Spreadsheet, Snowball Avalanche Planner (Excel Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eTrack every debt. Pick your strategy. Watch your freedom date get closer.\u003c\/strong\u003e Most people in debt have no idea when they will be out of it. Debt Payoff Pro brings every credit card, student loan, car loan and medical bill into one calm, color-coded command center. Score your freedom, pick Snowball or Avalanche, and watch your debt-free date move closer every month. 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Above 85 means stay the course; below 50 means an aggressive plan is needed.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 8 tabs and 383 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF (6 pages, beginner friendly)\u003c\/li\u003e\n\u003cli\u003eSnowball vs Avalanche Strategy Guide PDF (6 pages)\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eThe engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Freedom Score Engine\u003c\/strong\u003e — one number from 0 to 100 across Total Debt Reduction (30%), Payoff Timeline (25%), Interest Saved (20%), Monthly Discipline (15%) and Emergency Buffer (10%).\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball Engine\u003c\/strong\u003e — auto-sorts debts smallest balance first for quick emotional wins and momentum.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAvalanche Engine\u003c\/strong\u003e — auto-sorts debts highest APR first to save the most interest mathematically.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Timeline Engine\u003c\/strong\u003e — a 24-month projection with starting balance, payment, interest and ending balance, plus auto-flagged milestones.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInterest Saved Engine\u003c\/strong\u003e — a side-by-side of minimum-only payments versus your plan, with total dollars and years saved.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — four-step quickstart and tab overview\u003c\/li\u003e\n\u003cli\u003eDashboard — 5 KPI cards, strategy switcher and charts\u003c\/li\u003e\n\u003cli\u003eDebts — 15 debts with balance, APR, payments and payoff month\u003c\/li\u003e\n\u003cli\u003eSnowball — auto-sorted smallest balance first\u003c\/li\u003e\n\u003cli\u003eAvalanche — auto-sorted highest APR first\u003c\/li\u003e\n\u003cli\u003ePayoff Schedule — 24-month projection with milestones\u003c\/li\u003e\n\u003cli\u003eInterest Saved — your plan vs minimum-only comparison\u003c\/li\u003e\n\u003cli\u003eMilestones — 8 wins from emergency fund to debt-free\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCredit card strugglers juggling multiple cards\u003c\/li\u003e\n\u003cli\u003eStudent loan borrowers with five or six figures of loans\u003c\/li\u003e\n\u003cli\u003eYoung professionals starting their debt-free journey\u003c\/li\u003e\n\u003cli\u003eFamilies and couples tackling debt together\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export, a Quick Start Guide PDF and a Snowball vs Avalanche Strategy Guide PDF. 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Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003ePay yourself first\u003c\/h3\u003e\n\u003cp\u003eEvery dollar is assigned to a category, with savings allocated before spending so you build the habit automatically. 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Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe What-If Calculator\u003c\/h3\u003e\n\u003cp\u003eTry different extra-payment amounts and instantly see months saved and interest saved for each one. It is the fastest way to find a payment you can live with and understand exactly what it buys you.\u003c\/p\u003e\n\n\u003ch3\u003eSnowball or Avalanche\u003c\/h3\u003e\n\u003cp\u003eCompare both strategies side by side: Snowball clears the smallest balance first for quick wins, Avalanche targets the highest interest rate to save the most money. 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Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal debt planning only. This is not financial advice; results depend on the figures you enter. 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Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. Figures shown are illustrative and depend on your inputs. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274175418561,"sku":null,"price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8047992154_kc4k.jpg?v=1780071165"},{"product_id":"sinking-funds-tracker-spreadsheet-monthly-savings-planner-excel-google-sheets","title":"Sinking Funds Tracker Spreadsheet | Monthly Savings Planner (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eNever be surprised by a big, predictable expense again.\u003c\/strong\u003e Sinking funds work by spreading known costs like car insurance, property tax, holidays and vacations across the months before they are due, so you pay cash instead of reaching for credit. This tracker manages up to 25 funds and tells you exactly how much to set aside each month. Built with 7 connected tabs and 992 live formulas. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe Readiness Forecast\u003c\/h3\u003e\n\u003cp\u003eFor every fund it projects whether you will have the money in time, so an annual bill becomes a calm, planned payment rather than a scramble.\u003c\/p\u003e\n\n\u003ch3\u003eWatch your budget breathe\u003c\/h3\u003e\n\u003cp\u003eAs funds reach their targets, your required monthly contribution drops, and the tracker shows that decline month by month so you can see your budget free up over time.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 7 connected tabs and 992 live formulas\u003c\/li\u003e\n\u003cli\u003eCapacity for up to 25 sinking funds\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — add each fund, target and due date\u003c\/li\u003e\n\u003cli\u003eDashboard — total target, total saved and monthly need\u003c\/li\u003e\n\u003cli\u003eFunds — all 25 funds with progress\u003c\/li\u003e\n\u003cli\u003eReadiness Forecast — on-track status per fund\u003c\/li\u003e\n\u003cli\u003eBudget Breathe — monthly contribution over time\u003c\/li\u003e\n\u003cli\u003eMethod Toggle — choose an adaptive or fixed contribution per fund\u003c\/li\u003e\n\u003cli\u003eNotes — reference and reminders\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnyone caught off guard by annual or seasonal bills\u003c\/li\u003e\n\u003cli\u003ePeople who want to stop using credit for predictable costs\u003c\/li\u003e\n\u003cli\u003eBudgeters saving for several goals at once\u003c\/li\u003e\n\u003cli\u003eAnyone who wants calm, planned spending\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. Figures shown are illustrative and depend on your inputs. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274180235457,"sku":null,"price":6.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8047919272_jfbu.jpg?v=1780071273"}],"url":"https:\/\/spendflowstudio.com\/collections\/budget-planners.oembed","provider":"SpendFlow Studio","version":"1.0","type":"link"}