Bill Tracker Spreadsheet for Google Sheets and Excel

BILL TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

A bill tracker spreadsheet for anyone who wants every bill and due date in one place. It compares what you pay now with what you paid last year. It counts down to the last day you can still cancel before a bill renews.
Works for bills that repeat weekly, every two weeks, monthly, quarterly, twice a year or once a year.

📊 WHAT IT DOES

✓ Next 30 days: every bill due in the next month, nearest first, with the days left and whether it needs you to act.
✓ Payday plan: lines up six pay periods ahead against your bills, so you can see which pay period is tightest before it happens.
✓ Autopay: splits your bills into the ones that pay themselves and the ones that need you, and flags which ride on a card.
✓ Went up: compares what you pay now with what you paid a year ago, bill by bill, so a quiet rate rise doesn't stay quiet.
✓ Annual bills and Set aside: tracks bills that are not monthly and divides each one by the months left until it's due.
✓ Renewals: counts down to the last day you can still cancel a bill, not the renewal date itself.
✓ Late fees: logs every late payment for the year, with the bill it came from and what would have prevented it.
✓ Split and Settle up: splits shared bills the way you agreed, then shows the one transfer that settles the month between two people.
✓ Worth it: lists every bill at its yearly price, biggest first, with what it has cost in late fees.

📂 WHAT'S INSIDE: 33 TABS AND 73 CHARTS

✓ Start with these: Home, Start here, Setup, Bills, Payments, Income, People
✓ Dates: This month, Next 30 days, Calendar, Payday plan
✓ How it gets paid: Autopay, Late fees, Short month
✓ Prices and usage: Went up, Bill history, Utilities
✓ The uneven year: Annual bills, Set aside, Renewals
✓ The year: Months, Year, Categories, Accounts, Worth it
✓ Splitting the bills: Split, Settle up
✓ Routine and help: Cut the bill, Check-in, Notes, Catch-up, Read me, Free gift

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, fill in the shaded cells: your name, household size, and the settings for due soon, big bills, rate rises and renewals.
3. Add every bill once on Bills, with how it's paid, whose it is and how many days' notice it needs. Log each payment on Payments as it goes out.
4. Everything else fills in by itself. Home shows what's due, what went up, and what's left after the bills.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel on Windows or Mac
✓ A filled example to look around, and a blank copy for your own data
✓ A PDF with the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This 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.
This planner is a tool for your own records, not financial advice.