👥 Referral I made a simple Excel budget + debt payoff planner sharing it here ($0.99)

[milkliu7]

Hi everyone,

I put together a small Excel template for my own use and decided to list it in case it helps anyone else here.

What it does:

• Monthly budget sheet: income vs expenses (12 categories), budget vs actual with difference and % used calculated automatically
• Expense log: record spending per entry, it totals up by category with a chart (SUMIF formulas, no manual adding)
• Debt snowball sheet: enter your balances, APR and minimum payments, and it ranks your debts smallest-to-largest and estimates payoff months. Change one "extra payment" number and the plan updates.

Headers are in English and Chinese. Works in Excel, WPS, LibreOffice, and Google Sheets (import). Yellow cells are for your numbers, blue cells are formulas — that's all you need to know to use it.

It's a one-time $0.99 download here: You do not have permission to view the full content of this post. Log in or register now.

Not a get-rich thing, just a practical little tool. Happy to answer questions about how the sheets work.

 

[milkliu7]

Quick follow-up with a bit more detail on how the debt sheet works: you list each debt's balance, APR and minimum payment, and it ranks them smallest-first automatically (that's the snowball order). The one number to play with is "extra payment" — bump it and every payoff month updates, so you can see exactly what an extra $10 or $20 a month buys you.

Also, if you want to test the feel of it first, I put the monthly budget sheet up as a free sample in the same shop — the link is in the first post. Happy to walk through any of the formulas here if anyone wants.