Build Your Budget
Organise your income and expenses and see how much money is available for your goals and debt repayments.
Tackle Your Debt
Compare the Debt Snowball and Avalanche approaches and track your progress as balances come down.
Explore What-If Scenarios
See how making an extra payment could affect your repayment plan without changing your main budget.
Work Towards Your Goals
Set savings targets and monitor your progress alongside your household budget and debt repayments.
Simple to Set Up. Easy to Use.
Start with the START HERE sheet and enter your basic information. From there, work through your income, budget, debts and savings goals.
The planner does the calculations for you, while the Dashboard gives you an easy-to-understand overview of your household finances.
Want to see what happens if you put an extra $100, $200 or $500 towards your debt? The What-If calculator lets you explore different scenarios without changing your main plan.
You can also choose between the Debt Snowball and Debt Avalanche strategies and track your progress as you work towards paying down your debts.
Yes. The Excel version is designed for Microsoft Excel.
AUD, USD, GBP, NZD, CAD and EUR. If you don't see your currency contact us and we might be able to help you.
No. The planner doesn’t require macros or additional software.
Yes, within the editable areas provided by the planner.
Take Control of Your Household Finances
A practical Excel and Google Sheets planner to help you organise your budget, track your debts and work towards your financial goals.
When your income, expenses, debts and savings goals are spread across different places, it can be difficult to see where your money is going.
The Smart Household Budget & Debt Snowball Planner brings everything together in one organised workbook, giving you a clearer picture of your finances and helping you make informed decisions about your money.
Important: This spreadsheet is an educational budgeting tool only. It is not financial advice and does not consider your personal circumstances. Projections are estimates – actual results depend on your lenders’ interest calculations, fees, rate changes and your balances. Please consider speaking with a qualified financial adviser or a free financial counselling service if you are struggling with debt.
Take Control of Your Household Finances
A practical Excel and Google Sheets planner to help you organise your budget, track your debts and work towards your financial goals.
When your income, expenses, debts and savings goals are spread across different places, it can be difficult to see where your money is going.
The Smart Household Budget & Debt Snowball Planner brings everything together in one organised workbook, giving you a clearer picture of your finances and helping you make informed decisions about your money.
Important: This spreadsheet is an educational budgeting tool only. It is not financial advice and does not consider your personal circumstances. Projections are estimates – actual results depend on your lenders’ interest calculations, fees, rate changes and your balances. Please consider speaking with a qualified financial adviser or a free financial counselling service if you are struggling with debt.
