Smart Money — Budget & Debt Tracker 2026 (Spreadsheet + PDF Guide)

Smart Money — Budget & Debt Tracker 2026

Take control of your everyday money planning with an original, formula-powered spreadsheet and a clear companion guide. Suitable for personal budgeting and independent money organisation.

Your digital download includes

• Working Excel workbook (.xlsx): eight tabs covering setup, a monthly dashboard, 200 transaction rows, planned-versus-actual budgets, a six-debt planner, 120-month balance forecasts, net worth and savings goals.
• Quick Start PDF: four pages explaining setup, example workflows, debt calculation limitations and troubleshooting.

How it works

Enter income and expenses with dates and categories, set monthly spending targets and review updated dashboard calculations. Add debt balances, APRs and fixed monthly payments to estimate repayment time and remaining balances. Open in Microsoft Excel or import the .xlsx workbook into Google Sheets and check formulas after conversion.

Important: This is an editable .xlsx workbook with a PDF guide, not a hosted Google Sheets template link. It does not connect to bank accounts, guarantee precise lender payoff dates, or automatically apply debt snowball/avalanche allocation. Figures depend on your inputs, fixed-rate assumptions and spreadsheet compatibility. Educational use only, not regulated financial advice.

Delivery: Two downloadable files: the Excel workbook and Quick Start PDF, available after successful checkout. No physical item is sent.