{"product_id":"annual-budget-spreadsheet-debt-payoff-sinking-funds-tracker-excel-google-sheets","title":"Annual Budget Spreadsheet, Debt Payoff, Sinking Funds Tracker (Excel\/Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eOne spreadsheet for your entire financial year: budget, debt, sinking funds and net worth, all in 22 connected tabs.\u003c\/strong\u003e Plan the year, log what actually happens, and watch a single SpendFlow Score tell you how your finances are doing. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe SpendFlow Score\u003c\/h3\u003e\n\u003cp\u003eYour financial health in one signature number out of 100, built from your savings rate, budget adherence and debt health. As you log income and spending the score updates, so a single glance tells you whether you are on track.\u003c\/p\u003e\n\n\u003ch3\u003ePlan versus actual\u003c\/h3\u003e\n\u003cp\u003eSet your plan for each category, then log real transactions; the difference is your live budget, with built-in reconciliation so income, spending and savings always tie out.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 22 connected tabs\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\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\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnnual Dashboard — the SpendFlow Score with income, spending, savings and net worth\u003c\/li\u003e\n\u003cli\u003eSetup — your categories and starting balances entered once\u003c\/li\u003e\n\u003cli\u003eBill Calendar — scheduled payments laid out month by month\u003c\/li\u003e\n\u003cli\u003eTransaction Log — every income and expense in one place\u003c\/li\u003e\n\u003cli\u003eAccount Balances — all accounts tracked together\u003c\/li\u003e\n\u003cli\u003eNet Worth — assets and liabilities over the year\u003c\/li\u003e\n\u003cli\u003eSinking Funds — emergency, vacation, car, home, gifts and annual insurance\u003c\/li\u003e\n\u003cli\u003eDebt Payoff — your path to debt-free across all accounts\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe year-end resetter starting fresh in January\u003c\/li\u003e\n\u003cli\u003eThe debt crusher with a payoff plan\u003c\/li\u003e\n\u003cli\u003eFamily planners coordinating one household budget\u003c\/li\u003e\n\u003cli\u003eSolo savers who want one number to track\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\u003ch3\u003eFile details\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFormat: .xlsx and .csv\u003c\/li\u003e\n\u003cli\u003e22 connected tabs plus a PDF guide\u003c\/li\u003e\n\u003cli\u003eCompatible with Excel 2016+, Google Sheets, LibreOffice and Numbers\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. This is not financial advice. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274146779329,"sku":null,"price":17.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8079706821_cl9p.jpg?v=1780070233","url":"https:\/\/spendflowstudio.com\/products\/annual-budget-spreadsheet-debt-payoff-sinking-funds-tracker-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}