Budget & debt payoff spreadsheets

Planners you'll actually open.

We're a family making the planners we use ourselves, for the everyday money and home details that deserve a clear place.

Simple spreadsheets for Google Sheets and Excel, with printable PDFs. Type into the yellow cells and the math is done for you.

  • Instant download on Etsy
  • Google Sheets + Excel
  • No subscription, no app
Debt Payoff Planner spreadsheet showing a debt-free date and payment schedule
What's included in the Holiday Budget and Gift Planner

This season's pick

Holiday Budget and Gift Planner

Give each person a gift budget, add gift ideas and what you actually paid, and see planned, spent and left for everyone. Food, travel, cards, decor and hosting go on the same holiday budget, so nothing sneaks up on you.

  • Gift budgets for up to 40 people
  • “Last day to order” dates with a days-left countdown
  • Printable gift list, card list and countdown checklist

$5.99

Buy on Etsy

Money stress usually isn't about math.

It's about not being able to see the whole picture. Bills land on different days. Debts pile up across five apps. The once-a-year costs always seem to show up at the worst time.

“Where did it all go?”

Paychecks disappear before the month ends and there's no clear plan for each dollar.

“Will I ever be debt-free?”

Minimum payments feel endless when you can't see an end date.

“I forgot about that bill.”

Car registration, insurance, holidays: predictable costs that still catch you off guard.

Our planners are simple on purpose: realistic numbers, one clear place for each job, and no app to learn. That makes them easy to come back to next week.

A planner for each money problem

Each planner does one job well. Start with the problem you're facing right now.

“Where did my paycheck go?”

Give every dollar a job before the month starts.

“Will I ever be debt-free?”

See your payoff order and your debt-free date.

“That bill caught me off guard.”

Plan for due dates and once-a-year costs.

“Am I making progress?”

Watch savings grow and debt shrink.

See exactly what's included

Browse all 20 items

What's included in the Household Finance Bundle: six matching templates

All-in-one

Household Finance Bundle

Everything in one download: a monthly budget, a debt payoff plan, sinking funds, a mortgage payoff calculator, a net worth dashboard and a bill tracker.

  • Six matching templates, one consistent design
  • Blank file, filled-in example and printable PDF for each
  • US Letter and A4 printables

$19.99 $40.94 if bought separately

Buy the bundle on Etsy

Shop all planners

Every item is an instant digital download for Google Sheets and Excel, with printable PDFs. Checkout happens securely on Etsy for now.

All-in-one bundle 1

All-in-oneHousehold Finance Bundle mockup

Household Finance Bundle

$19.99

Six matching money templates in one download, $40.94 if bought separately.

Money planners 11

Debt Payoff Planner mockup

Debt Payoff Planner

$8.99

Compare Snowball and Avalanche and see your debt-free date, with a month-by-month payment plan.

Monthly Budget Planner mockup

Monthly Budget Planner

$7.99

Zero-based budget with 12 monthly tabs, so every dollar has a job before the month starts.

Paycheck Budget Planner mockup

Paycheck Budget Planner

$5.99

Assign bills to each payday, whether you're paid weekly, biweekly or twice a month.

Sinking Funds Tracker mockup

Sinking Funds Tracker

$5.99

Set a goal and a date for once-a-year costs and know exactly what to save each month.

Bill Payment Tracker mockup

Bill Payment Tracker

$4.99

Every bill, its due date and whether it's paid, all year on one page.

Net Worth Tracker mockup

Net Worth Tracker

$5.99

A monthly snapshot of what you own and owe, with a dashboard that shows your progress.

Holiday Budget and Gift Planner mockup

Holiday Budget and Gift Planner

$5.99

Set a holiday budget and track gifts, food, travel and decor before December sneaks up.

2027 Annual Budget and Money Goals Planner mockup

2027 Annual Budget and Money Goals Planner

$7.99

Plan the year ahead, set money goals and review how the year went.

100 Envelope Savings Tracker mockup

100 Envelope Savings Tracker

$4.99

100 envelope, 52 week and no-spend challenges that make saving feel like a game.

Subscription Tracker mockup

Subscription Tracker

$3.99

List every subscription and free trial, see the real monthly cost and cut what you don't use.

Mortgage Payoff Calculator mockup

Mortgage Payoff Calculator

$6.99

See how extra payments cut years and interest off your mortgage.

Home & family records 8

Family Emergency Binder mockup

Family Emergency Binder

$9.99

Contacts, medical info, accounts and bills in one organized place for when it matters.

2026 Tax Prep Organizer mockup

2026 Tax Prep Organizer

$6.99

A document checklist plus donation and medical receipt logs to make tax time calmer.

Home Inventory for Insurance mockup

Home Inventory for Insurance

$6.99

List belongings, serial numbers and receipts so an insurance claim is easier.

Home Buying Planner mockup

Home Buying Planner

$7.99

Score the houses you tour and track your down payment savings.

Home Renovation Budget Planner mockup

Home Renovation Budget Planner

$6.99

Budget a remodel, compare quotes and keep a punch list.

Home Maintenance Schedule mockup

Home Maintenance Schedule

$5.99

Seasonal checklists and a repair log so small fixes don't become big ones.

Utility Bill Tracker mockup

Utility Bill Tracker

$4.99

Log energy bills and usage to spot changes month to month.

Mileage Log mockup

Mileage Log

$5.99

Record business and personal trips in one simple log.

How it works

  1. 1

    Download

    Buy on Etsy and download the files right away from your Purchases page. Nothing is shipped.

  2. 2

    Open

    Open the .xlsx in Excel, or upload it to Google Drive and choose File › Save as Google Sheets.

  3. 3

    Fill in the yellow cells

    Start on the “Start Here” tab and fill in the pale-yellow cells. Everything else calculates for you.

Prefer paper? Every planner includes printable PDF pages.

Questions

Will it work on my computer?

Works in Microsoft Excel 2010 or newer (Windows and Mac) and Google Sheets (free). Apple Numbers and LibreOffice not fully tested.

How do I open it in Google Sheets?

Upload the .xlsx to Google Drive, open it, then choose File > Save as Google Sheets. In Excel, just open the .xlsx file.

Where do I start?

Start on the “Start Here” tab and fill in the pale-yellow cells. Everything else calculates for you. Each planner also comes with an example file filled with sample data so you can see how it works.

Can I print it?

Yes. Every planner includes printable PDF pages in US Letter and A4. Print them at home or at a print shop.

How do I get my files?

Download them from your Etsy Purchases page right after checkout. It's a digital download only, so nothing is shipped.

Is this financial advice?

No. These are planning and tracking tools only, not financial advice. The planner adds up the numbers you type; it doesn't tell you what to spend, save or pay.

Still have a question?

Email us at hello@porchlightledger.com.

Preview of the free one-page Debt Snowball Worksheet

Free download

Free Debt Snowball Worksheet

A one-page printable: list your debts smallest to largest, roll each payment into the next, and write down your debt-free date. Then use the tracker to watch your balances drop month by month.

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Ready to see your whole money picture?

Pick a planner, download it in seconds and fill it in tonight.

Visit the shop on Etsy