Personal Budget OS | Zero Based Budget Spreadsheet | Debt Payoff Planner | Google Sheets Excel | Editable
$7.99
Sale price
$7.99
Regular price
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✅ Instant Digital Download | Excel & Google Sheets | Editable & Printable | Works on Mac & PC
Every dollar has a job. Know exactly where your money is going.
Personal Budget OS is a complete zero-based budgeting system with expense tracking, a debt payoff calculator (using the NPER formula to show exact months to payoff), and a savings goal tracker.
WHAT IT DOES
- Zero-based monthly budget: income minus all categories should equal $0
- Expense tracker with categories that match your budget
- Debt payoff planner: months to payoff and total interest using the NPER formula
- Savings goals: set target and months remaining — monthly needed auto-calculates
WHAT'S INCLUDED
- Google Sheets + Microsoft Excel (.xlsx)
- Printable PDF + Fillable PDF
- 6 tabs: Dashboard, Monthly Budget, Expense Tracker, Debt Payoff, Savings Goals, Settings
THE MATH
Zero-based: Income - All expense budgets = $0 (every dollar assigned).
Months to Pay Off: NPER(APR/12, -payment, balance) — standard finance formula.
Monthly Needed for savings = (Target - Saved) / Months Left.
INSTANT DIGITAL DOWNLOAD
Files are available immediately after purchase. Nothing is shipped.
(c) Diporusa. For personal use. Please do not resell or redistribute.
Personal Budget OS | Zero Based Budget Spreadsheet | Debt Payoff Planner | Google Sheets Excel | Editable
$7.99
Sale price
$7.99
Regular price
Every dollar has a job. Know exactly where your money is going.
Personal Budget OS is a complete zero-based budgeting system with expense tracking, a debt payoff calculator (using the NPER formula to show exact months to payoff), and a savings goal tracker.
WHAT IT DOES
- Zero-based monthly budget: income minus all categories should equal $0
- Expense tracker with categories that match your budget
- Debt payoff planner: months to payoff and total interest using the NPER formula
- Savings goals: set target and months remaining — monthly needed auto-calculates
WHAT'S INCLUDED
- Google Sheets + Microsoft Excel (.xlsx)
- Printable PDF + Fillable PDF
- 6 tabs: Dashboard, Monthly Budget, Expense Tracker, Debt Payoff, Savings Goals, Settings
THE MATH
Zero-based: Income - All expense budgets = $0 (every dollar assigned).
Months to Pay Off: NPER(APR/12, -payment, balance) — standard finance formula.
Monthly Needed for savings = (Target - Saved) / Months Left.
INSTANT DIGITAL DOWNLOAD
Files are available immediately after purchase. Nothing is shipped.
(c) Diporusa. For personal use. Please do not resell or redistribute.