{"product_id":"family-budget-planner-debt-payoff-calculator-excel-google-sheets","title":"Family Budget Planner + Debt Payoff Calculator — Excel \u0026 Google Sheets","description":"\u003ch2\u003eGet on top of the household budget — and see a real plan to clear your debt\u003c\/h2\u003e\u003cp\u003eThe complete Spreadsmart Family Budget Planner is a done-for-you spreadsheet that maps your entire year of income, bills, spending, and savings, and updates itself as you go. No formulas to build, no setup headaches — open it, enter your numbers, and see exactly where your money goes.\u003c\/p\u003e\u003cp\u003eBut the part people love most is the debt tools.\u003c\/p\u003e\u003ch3\u003eNEW — Payoff Schedule with one-off extra payments\u003c\/h3\u003e\u003cp\u003eThis is the feature that puts this planner ahead of the rest. Pick a debt, enter the balance, interest rate and your regular monthly payment, and get a full month-by-month plan showing your balance fall to zero. Whenever you can afford to pay a little extra, just type it into the \"Extra Payment\" column — the balance updates instantly, and the planner shows you how many months and how much interest you've saved. Watch your debt-free date move closer every time you overpay.\u003c\/p\u003e\u003ch3\u003eDebt Payoff Calculator\u003c\/h3\u003e\u003cp\u003eList all your debts — credit cards, car loans, store cards — and instantly see the months to payoff, total interest and debt-free date for each, plus a total across them all.\u003c\/p\u003e\u003ch3\u003eEverything included — 9 ready-to-use tabs:\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard\u003c\/strong\u003e — income, spending, savings and a monthly breakdown, all automatic\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly Budget\u003c\/strong\u003e — set target amounts for every category and compare planned vs actual\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome Log\u003c\/strong\u003e — track every paycheck, side income and benefit\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExpense Log\u003c\/strong\u003e — 14 household categories pre-built, essential vs discretionary\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAnnual Summary\u003c\/strong\u003e — full-year trends and your savings rate at a glance\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings Goals\u003c\/strong\u003e — set targets with deadlines, tracked automatically\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBills \u0026amp; Subscriptions\u003c\/strong\u003e — every recurring payment in one view\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff Calculator\u003c\/strong\u003e — months to payoff, total interest and debt-free date for every debt\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Schedule (NEW)\u003c\/strong\u003e — month-by-month plan with one-off extra payments and the interest you save\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eWorks everywhere:\u003c\/strong\u003e Microsoft Excel, Google Sheets (upload to Drive) and free LibreOffice Calc. No subscription, no login — it's yours to keep.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eInstant digital download\u003c\/strong\u003e — you'll get the file immediately after purchase.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eA planning tool for your household, not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpreadSmart","offers":[{"title":"Default Title","offer_id":42932948336736,"sku":"SS-FAMDEBT-01","price":12.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0669\/8237\/9616\/files\/Untitled_2_x_2_in_2048_x_2048_px_2048_x_2048_px_2048_x_2662_px_1.png?v=1784509015","url":"https:\/\/paulanthonyharrisauthor.com\/products\/family-budget-planner-debt-payoff-calculator-excel-google-sheets","provider":"Spreadsmart Press","version":"1.0","type":"link"}