{"title":"Debt \u0026 Savings Trackers","description":"\u003cp\u003eKnow the month it ends. Debt payoff walked forward balance by balance, sinking funds that fill, get spent and start again, and savings goals with a real date on them — Google Sheets and Excel, no subscription, no add-ons.\u003c\/p\u003e","products":[{"product_id":"debt-payoff-planner-spreadsheet-for-google-sheets-and-excel","title":"Debt Payoff Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eDEBT PAYOFF SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA debt payoff spreadsheet for anyone paying down more than one balance at a time. It walks each debt forward at its own rate and minimum, and sends every extra dollar to one debt first.\u003cbr\u003eWorks with cards, loans and bills side by side, and compares debt snowball against debt avalanche on your own numbers.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Debts: list each debt once, with its type, balance, rate and minimum. The payoff numbers fill in by themselves.\u003cbr\u003e✓ Payments: log every payment you make, and the rest of the file reads from this.\u003cbr\u003e✓ Payoff plan: walks your payoff schedule forward month by month, with each debt at its own rate and minimum.\u003cbr\u003e✓ Strategy compare: lines up debt snowball, debt avalanche and your own order on your real balances.\u003cbr\u003e✓ What if: shows how a bigger monthly payment changes your debt-free date.\u003cbr\u003e✓ Utilization: shows how much of each card's limit you're using, the number your credit score reacts to.\u003cbr\u003e✓ Promo rates: counts down the months left on a 0% rate and what the balance will cost once it ends.\u003cbr\u003e✓ Balance transfer: works out what moving a balance to a 0% card would actually save you.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 35 TABS AND 90 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ The basics: Home, Start here, Setup, Debts, Payments\u003cbr\u003e✓ Your plan: Payoff plan, Next up, Due dates, Strategy compare, What if\u003cbr\u003e✓ Your progress: Plan vs actual, Freedom date, Milestones, Snowflakes, Money wins\u003cbr\u003e✓ Credit cards: Utilization, Promo rates, Balance transfer, Credit health, Interest\u003cbr\u003e✓ Bills and accounts: Starter fund, Debt by kind, Bills, Bill calendar, Income, Accounts, Net worth\u003cbr\u003e✓ Savings: Savings goals, Sinking funds, Savings challenge\u003cbr\u003e✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, your extra payment each month, your start date and your payoff method.\u003c\/li\u003e\n\u003cli\u003eAdd every debt on Debts with its balance, rate and minimum, then log each payment you make on Payments.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows your total debt, your debt-free date and what you've paid off so far.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":48994362261657,"sku":null,"price":14.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643129461_830r.jpg?v=1790707879"},{"product_id":"sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel","title":"Sinking Funds Tracker Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eSINKING FUNDS SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA sinking fund tracker for saving toward costs that aren't monthly, like car insurance or the holidays. It tracks what's saved in each fund, what's withdrawn, and whether a fund is on schedule for its due date.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Behind: shows what a fund should hold by today's date, and the new monthly contribution that catches it up.\u003cbr\u003e✓ Raids: lists every withdrawal that didn't go to what the fund was for.\u003cbr\u003e✓ Refill: shows funds that were just spent and have restarted at zero with a new due date.\u003cbr\u003e✓ Reconcile: compares your funds with your bank balance and shows the gap between them.\u003cbr\u003e✓ Due soon: every fund due soon, nearest first, with what's saved and what's still needed.\u003cbr\u003e✓ Fund calendar: the next 12 months of fund due dates, so you can see which months are heaviest.\u003cbr\u003e✓ Per paycheck: splits each fund's monthly contribution across your paydays.\u003cbr\u003e✓ Priority: sets the order funds get funded in when there isn't enough for all of them.\u003cbr\u003e✓ Cost per year: shows the real yearly cost of a fund like a car, not just its monthly payment.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 34 TABS AND 72 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Funds, Deposits, Withdrawals, Income\u003cbr\u003e✓ Your month: This month, Per paycheck, Behind, Priority\u003cbr\u003e✓ Coming up: Due soon, Fund calendar, Ready\u003cbr\u003e✓ Where your money is: Accounts, Reconcile, Interest\u003cbr\u003e✓ Spending and costs: Raids, Refill, Cost per year\u003cbr\u003e✓ The year: Months, Year, Categories, Milestones, Streak\u003cbr\u003e✓ Plan and decide: What if, Windfalls, Trade-offs, Starter funds\u003cbr\u003e✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, household size, and the settings for due soon, behind schedule, big funds and your savings budget.\u003c\/li\u003e\n\u003cli\u003eAdd every fund once on Funds, with its target, due date and how often it repeats. Log deposits and withdrawals as they happen.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's saved, what's due soon, and which funds are behind.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49043741245593,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643856505_k3rc.jpg?v=1790707901"},{"product_id":"savings-tracker-spreadsheet-for-google-sheets-and-excel","title":"Savings Tracker Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eSAVINGS TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA savings tracker spreadsheet for anyone saving toward more than one goal at a time. It shows the date each goal actually reaches its number at your current pace, and what your accounts and savings rate add up to.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Rates: shows what each account earns, based on the rate in its own name, and what inflation takes from it.\u003cbr\u003e✓ Runway: turns your safety net into months of living costs, not just a dollar amount.\u003cbr\u003e✓ Savings rate: shows what share of your income actually stayed, not just the balance.\u003cbr\u003e✓ On track and Forecast: shows the date each goal reaches its number at your current pace, and what would pull a late one back.\u003cbr\u003e✓ Reconcile: compares your goals with your bank balance and shows the gap between them.\u003cbr\u003e✓ Compounding: shows what the same money grows into over time, at the rate your accounts actually pay.\u003cbr\u003e✓ Automation: shows which goals are funded by a standing transfer and which rely on you remembering.\u003cbr\u003e✓ Setbacks: prices every dip out of savings in months, not dollars.\u003cbr\u003e✓ Milestones and Timeline: shows which goals hit a round number, and which month ahead is the heaviest.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 38 TABS AND 79 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Goals, Deposits, Dips, Income, Cost of living\u003cbr\u003e✓ Where the month stands: Savings rate, This month, Automation, Split\u003cbr\u003e✓ Dates and the pace: On track, Forecast, Coming up, Timeline, Finish line\u003cbr\u003e✓ Where the money sits: Accounts, Reconcile, Rates, Compounding\u003cbr\u003e✓ When life happens: Runway, Setbacks\u003cbr\u003e✓ The year: Months, Year, Categories, Milestones, Streak\u003cbr\u003e✓ Deciding: What if, Windfalls, Trade-offs, Challenges, Starter goals\u003cbr\u003e✓ Keeping it going: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, household size, and the settings for your savings goal, big dips, inflation and account rates.\u003c\/li\u003e\n\u003cli\u003eAdd every goal once on Goals, with its target, date and monthly transfer. Log deposits and dips as they happen.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's saved, your savings rate, and which dates this pace misses.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49046518005913,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643876485_7wqr.jpg?v=1790707903"},{"product_id":"debt-free-bundle-debt-payoff-paycheck-budget-bill-tracker-and-sinking-funds-spreadsheets","title":"Debt-Free Bundle: Debt Payoff, Paycheck Budget, Bill Tracker and Sinking Funds Spreadsheets","description":"\u003cp\u003e\u003cstrong\u003eDEBT-FREE BUNDLE: 4 SPREADSHEETS FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA debt payoff bundle for paying down debt without new bills getting in the way. You get four planners, each with a filled example, a blank copy and a video guide.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📦 WHAT'S IN THE BUNDLE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Debt Payoff Planner — debt snowball and avalanche side by side, with your payoff date and what-ifs for extra payments or promo rates. 35 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Paycheck Budget Planner — splits your bills across paydays, so you can see which pay period is tight before it happens. 37 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/paycheck-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/paycheck-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Bill Tracker — every bill with its due date, a 30-day view, a calendar, autopay and annual bills. 33 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Sinking Funds Tracker — money set aside for costs that aren't monthly, split across your paydays. 34 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF. It has two links for every planner: a filled example and a blank copy.\u003c\/li\u003e\n\u003cli\u003ePick the planner you need first. You don't have to set up all of them.\u003c\/li\u003e\n\u003cli\u003eClick the link to make your own copy in Google Sheets, or open its Excel file from the download.\u003c\/li\u003e\n\u003cli\u003eEvery planner starts on its own Start here tab, and each has its own short video guide.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ One PDF with the links to all 4 planners\u003cbr\u003e✓ Excel files for every planner, a filled one and a blank one (8 files in the download)\u003cbr\u003e✓ A video guide for each planner (the links are in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Each planner is its own file. They don't share data with each other.\u003cbr\u003e✓ Works with a free Google account. No add-ons, no subscription.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThese planners are a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67593183658137,"sku":null,"price":17.45,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8647548361_5sem.jpg?v=1790735365"},{"product_id":"savings-bundle-savings-goals-sinking-funds-subscription-and-expense-tracker-spreadsheets","title":"Savings Bundle: Savings Goals, Sinking Funds, Subscription and Expense Tracker Spreadsheets","description":"\u003cp\u003e\u003cstrong\u003eSAVINGS TRACKER SET: 4 SPREADSHEETS FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA savings tracker set for finding the money that slips away and putting it toward what you're saving for. You get four planners, each with a filled example, a blank copy and a video guide.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📦 WHAT'S IN THE BUNDLE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Savings Tracker — savings goals and the emergency fund, with your savings rate, a forecast and interest. 38 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/savings-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/savings-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Sinking Funds Tracker — money set aside for costs that aren't monthly, split across your paydays. 34 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Subscription Tracker — every subscription, with renewals, free trials, price hikes and a cancel list. 28 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/subscription-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/subscription-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Expense Tracker — every expense in a daily log, by merchant, with needs against wants and no-spend days. 39 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF. It has two links for every planner: a filled example and a blank copy.\u003c\/li\u003e\n\u003cli\u003ePick the planner you need first. You don't have to set up all of them.\u003c\/li\u003e\n\u003cli\u003eClick the link to make your own copy in Google Sheets, or open its Excel file from the download.\u003c\/li\u003e\n\u003cli\u003eEvery planner starts on its own Start here tab, and each has its own short video guide.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ One PDF with the links to all 4 planners\u003cbr\u003e✓ Excel files for every planner, a filled one and a blank one (8 files in the download)\u003cbr\u003e✓ A video guide for each planner (the links are in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Each planner is its own file. They don't share data with each other.\u003cbr\u003e✓ Works with a free Google account. No add-ons, no subscription.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThese planners are a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67593539518617,"sku":null,"price":17.45,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8647737009_sqgr.jpg?v=1790739064"},{"product_id":"debt-payoff-tracker-snowball-avalanche","title":"Debt Payoff Tracker for Google Sheets and Excel, Debt Snowball Spreadsheet, Avalanche Method, Credit Card and Loan Payoff Planner","description":"\u003cp\u003e\u003cstrong\u003eDEBT PAYOFF TRACKER FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA debt payoff tracker for paying off credit cards, loans and medical bills with the debt snowball or debt avalanche method. List each debt once, add the extra you can pay each month, and see the month you will be debt-free. It also shows the interest and the time you save compared with paying only the minimums.\u003cbr\u003eTracks up to 10 debts.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Debts: type each debt once (balance, interest rate and minimum) and pick Snowball or Avalanche.\u003cbr\u003e✓ Debts: this month's payment for each debt, its current balance, a progress bar and its payoff month.\u003cbr\u003e✓ Payoff plan: your debt-free month, next to the month you would finish paying only the minimums.\u003cbr\u003e✓ Payoff plan: the interest and the time you save compared with minimum payments only.\u003cbr\u003e✓ Payoff plan: a month-by-month schedule with your total payment, where the extra payment goes, interest and the remaining balance.\u003cbr\u003e✓ Payoff plan: the order to pay off your debts and the month each one is gone.\u003cbr\u003e✓ When a debt is paid off, its payment moves to the next debt. That is why the plan beats the minimums.\u003cbr\u003e✓ Payments: log each payment. Balances, progress and the plan update on their own.\u003cbr\u003e✓ Charts show paid and left for each debt, your total debt month by month until it's gone, and what you paid each month.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 4 TABS AND 3 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: four short steps and what Snowball and Avalanche mean\u003cbr\u003e✓ Debts: your debts, the extra each month, the method, four cards and one chart\u003cbr\u003e✓ Payoff plan: your debt-free month, interest saved, the month-by-month schedule and one chart\u003cbr\u003e✓ Payments: the payment log, three cards and one chart\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Debts, type each debt from your statement: name, balance, interest rate (APR) and minimum payment.\u003c\/li\u003e\n\u003cli\u003eType how much extra you can pay each month, then pick Snowball or Avalanche.\u003c\/li\u003e\n\u003cli\u003eEach time you pay, add a line on Payments. Everything else fills in by itself, and Payoff plan shows your debt-free month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for Microsoft 365 or Excel 2021 and newer, on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ You type your own numbers. Nothing is imported from your bank or lender.\u003cbr\u003e✓ Current balance is your starting balance minus your payments. Type the balance from your statement now and then to keep it exact.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003e➕ WANT MORE?\u003cbr\u003e✓ Debt Payoff Spreadsheet: the full version, with what-ifs for extra payments and promo rates. 35 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Debt-Free Bundle: debt payoff, paycheck budget, bill tracker and sinking funds in one set.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/debt-free-bundle-debt-payoff-paycheck-budget-bill-tracker-and-sinking-funds-spreadsheets\"\u003ehttps:\/\/growlylabstudio.com\/products\/debt-free-bundle-debt-payoff-paycheck-budget-bill-tracker-and-sinking-funds-spreadsheets\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67628664848537,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8638768758_dgdp.jpg?v=1791387458"},{"product_id":"100-envelope-challenge-spreadsheet","title":"100 Envelope Challenge Spreadsheet Google Sheets Excel, Cash Stuffing Printable with Flexible Goal, Money Saving Challenge Budget Planner","description":"\u003cp\u003e\u003cstrong\u003e100 ENVELOPE CHALLENGE TRACKER FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA savings tracker for the classic 100 envelope challenge. One envelope #1 amount sets the whole 100-envelope ladder, so you're not stuck downloading a separate file for every goal. Fill envelopes in any order, and your total, your pace, and which ones are still open update on their own.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: type your envelope #1 amount once, and it scales all 100 envelopes — a small amount makes the classic challenge, a bigger one makes a bigger goal.\u003cbr\u003e✓ Envelopes: all 100 in one list. Pick any envelope, in any order, and type the date you filled it. Amount and status fill in by themselves.\u003cbr\u003e✓ Envelopes: a one-time Shuffle pick for a random order to grab next — just for fun, never a rule.\u003cbr\u003e✓ Progress: total saved, percent to your goal, and whether you're ahead or behind your planned pace, with your finish date at that pace.\u003cbr\u003e✓ Progress: the cheapest envelopes still open for a quick win, and the priciest ones still open, so you start setting money aside before they're all that's left.\u003cbr\u003e✓ Progress: a chart of your planned pace against what you've actually filled in, week by week.\u003cbr\u003e✓ Labels: a printable sheet of 100 cards — envelope number and amount — for anyone using paper envelopes.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 4 TABS AND 1 CHART\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: your name, envelope #1 amount, start date, weekly pace and which day starts your week\u003cbr\u003e✓ Envelopes: all 100 envelopes, four cards, and the Shuffle pick hint\u003cbr\u003e✓ Progress: three cards, cheap \u0026amp; open, big \u0026amp; open, and the pace-vs-actual chart\u003cbr\u003e✓ Labels: the printable 10×10 grid of cards\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, type your envelope #1 amount, your start date and your weekly pace.\u003c\/li\u003e\n\u003cli\u003eOn Envelopes, grab any envelope and type the date you filled it — in any order you like.\u003c\/li\u003e\n\u003cli\u003eOpen Progress any time for your total, your pace, and which envelopes to tackle next.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own challenge\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No app, no ads, no subscription.\u003cbr\u003e✓ Cash in envelopes doesn't earn interest and can be lost or stolen. Many people move the amount to a savings account instead and log the date here — the tracker works the same either way.\u003cbr\u003e✓ Shuffle pick is a one-time random order, printed once when the file was made. Grab envelopes in any order you like.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one, and Excel keeps them locked.\u003cbr\u003e✓ Best on a computer for setup. The Google Sheets app works for a quick check on your phone.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets. Links between tabs work in Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67700298809497,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8719382167_s9ab.jpg?v=1791948600"},{"product_id":"credit-card-tracker-spreadsheet","title":"Credit Card Tracker Spreadsheet, Utilization, Due Dates, Annual Fees and Rewards, Google Sheets Excel","description":"\u003cp\u003eCREDIT CARD TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003cbr\u003eLog every card once, update each statement, and utilization, due dates, and status work themselves out — Paid, Due soon, Late, or Upcoming, card by card and overall.\u003c\/p\u003e\u003cp\u003e📊 WHAT IT DOES\u003cbr\u003e✓ Cards: one row per card — nickname, issuer, credit limit, APR, statement day, due day, annual fee and the month it posts, and your rewards rate. Up to 8 cards.\u003cbr\u003e✓ Monthly Log: one row per card, per statement — balance and payment. Due date, utilization, and status fill in on their own.\u003cbr\u003e✓ Dashboard: every card's limit, balance, utilization, and status in one table, plus total annual fees and how many cards are due soon or late.\u003cbr\u003e✓ Dashboard: a chart of utilization by card, and a chart of your overall utilization over the last 12 closed months.\u003cbr\u003e✓ Start here: type your name (optional) and open Cards — every number after that comes from what you log.\u003c\/p\u003e\u003cp\u003e📂 WHAT'S INSIDE: 4 TABS AND 2 CHARTS\u003cbr\u003e✓ Start here: a one-cell start, then straight to Cards\u003cbr\u003e✓ Cards: up to 8 cards, four cards, and the full list\u003cbr\u003e✓ Monthly Log: four cards, and every statement you've logged\u003cbr\u003e✓ Dashboard: four cards, the card-by-card table, and two charts\u003c\/p\u003e\u003cp\u003e📝 HOW IT WORKS\u003cbr\u003e1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003cbr\u003e2. On Cards, add each card — limit, APR, statement day, due day, and annual fee.\u003cbr\u003e3. Every month, add a row on Monthly Log with the statement balance and what you paid.\u003cbr\u003e4. Open Dashboard any time for utilization, due dates, and status at a glance.\u003c\/p\u003e\u003cp\u003e📥 WHAT YOU GET\u003cbr\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own cards\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\u003cp\u003e💻 GOOD TO KNOW\u003cbr\u003e✓ Works with a free Google account. No app, no ads, no subscription.\u003cbr\u003e✓ Statement day and due day are just the day of the month — the sheet works out which calendar month each one falls in.\u003cbr\u003e✓ Utilization is balance divided by limit, card by card and combined — under 10%, 10-30%, and over 30% are colored so you can see it at a glance.\u003cbr\u003e✓ Rewards rate is a label you set per card — it's yours to fill in, not a built-in rewards calculator.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one, and Excel keeps them locked.\u003cbr\u003e✓ Best on a computer for setup. The Google Sheets app works for a quick check on your phone.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets. Links between tabs work in Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67714100625561,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8682857494_soym.jpg?v=1792082863"}],"url":"https:\/\/growlylabstudio.com\/collections\/debt-savings-trackers.oembed","provider":"GrowlyLab","version":"1.0","type":"link"}