{"product_id":"personal-budget-os-zero-based-budget-spreadsheet-debt-payoff-planner-google-sheets-excel-editable","title":"Personal Budget OS | Zero Based Budget Spreadsheet | Debt Payoff Planner | Google Sheets Excel | Editable","description":"✅ Instant Digital Download | Excel \u0026amp; Google Sheets | Editable \u0026amp; Printable | Works on Mac \u0026amp; PC\u003cbr\u003e\u003cbr\u003eEvery dollar has a job. Know exactly where your money is going.\u003cbr\u003e\u003cbr\u003ePersonal 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.\u003cbr\u003e\u003cbr\u003eWHAT IT DOES\u003cbr\u003e- Zero-based monthly budget: income minus all categories should equal $0\u003cbr\u003e- Expense tracker with categories that match your budget\u003cbr\u003e- Debt payoff planner: months to payoff and total interest using the NPER formula\u003cbr\u003e- Savings goals: set target and months remaining — monthly needed auto-calculates\u003cbr\u003e\u003cbr\u003eWHAT'S INCLUDED\u003cbr\u003e- Google Sheets + Microsoft Excel (.xlsx)\u003cbr\u003e- Printable PDF + Fillable PDF\u003cbr\u003e- 6 tabs: Dashboard, Monthly Budget, Expense Tracker, Debt Payoff, Savings Goals, Settings\u003cbr\u003e\u003cbr\u003eTHE MATH\u003cbr\u003eZero-based: Income - All expense budgets = $0 (every dollar assigned).\u003cbr\u003eMonths to Pay Off: NPER(APR\/12, -payment, balance) — standard finance formula.\u003cbr\u003eMonthly Needed for savings = (Target - Saved) \/ Months Left.\u003cbr\u003e\u003cbr\u003eINSTANT DIGITAL DOWNLOAD\u003cbr\u003eFiles are available immediately after purchase. Nothing is shipped.\u003cbr\u003e\u003cbr\u003e(c) Diporusa. For personal use. Please do not resell or redistribute.","brand":"Diporusa","offers":[{"title":"Default Title","offer_id":47826502615203,"sku":null,"price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0765\/1472\/1955\/files\/il_fullxfull.8245267813_qgtr.jpg?v=1782851350","url":"https:\/\/diporusastore.com\/products\/personal-budget-os-zero-based-budget-spreadsheet-debt-payoff-planner-google-sheets-excel-editable","provider":"DIPORUSA","version":"1.0","type":"link"}