A basic budget tells you what you spent. The Complete Financial Planner tells you what you are worth, how fast you are paying off debt, and where you will be in 5 years. Five integrated tabs in one Google Sheet: Monthly Budget, Net Worth Tracker, Debt Payoff Calculator, Savings Goals, and 5-Year Cash Flow Projection. For people who have outgrown the basics.
Five integrated tabs in one Google Sheet:
People who have been using a basic budget for 3+ months and want more visibility. Couples managing finances together. Anyone with debt who wants to see the light at the end of the tunnel. People planning a major financial goal in the next 1-5 years.
Avalanche pays the highest-APR debt first, saving the most money. Snowball pays the smallest balance first, building momentum with quick wins. The planner supports both — pick the one that matches your psychology.
Yes. The Net Worth tab is shared (both spouses log assets/debts). The Monthly Budget can be either combined or kept separate.
Yes. The Cash Flow Projection tab lets you model income variance. Many freelancers use the lower-bound estimate for planning, the upper-bound for goal-setting.
Skip the Debt Payoff tab. The Net Worth Tracker and 5-Year Projection still work and are the most valuable pieces for debt-free users.
The free spreadsheet is one tab: monthly budget, 25 categories. The Complete Planner adds Net Worth, Debt Payoff, Savings Goals, and 5-Year Projection.
Download, make a copy, and run the Week 1 setup. Most people finish in 30-45 minutes and have a complete financial picture for the first time.