Personal Finance Spreadsheet Vault — 13 Excel & Google Sheets Finance Templates

Stop buying spreadsheets one at a time — this is the whole library. The Personal Finance Spreadsheet Vault bundles 13 of our personal-finance workbooks into a single download, covering everyday budgeting, saving, debt payoff, investing and retirement planning. Every workbook is independent and self-contained, with a Start Here tab that walks you through it, coloured input cells, automatic formulas and clean dashboards.

Bought separately these 13 workbooks cost $124.59. One bundle price gets you all 13 in your library.

BUDGETING

- Monthly Budget Planner Spreadsheet — log your spending and watch the 50/30/20 split, savings rate and category totals update themselves.

- Paycheck Budget Planner Spreadsheet — budget by paycheck, not just by month, with a Dashboard that shows what each paycheck must cover.

- Zero-Based Budget Master Spreadsheet — the complete zero-based budgeting system, every dollar assigned, with automatic surplus/deficit calculation.

- Annual Budget Spreadsheet — your whole year on one page, all twelve months across the top, with a Dashboard for income, expenses, net and savings rate.

- Couples Budget Spreadsheet — track both incomes and every shared bill, with a Dashboard that splits it 50/50 and shows who owes whom.

SAVINGS & DEBT

- Sinking Funds Tracker Spreadsheet — save a little each month toward irregular expenses, with Saved, Remaining and % funded per fund.

- No-Spend Challenge & Savings Tracker — run a no-spend challenge, log any slips, and see no-spend days and estimated savings.

- Debt Payoff Accelerator Spreadsheet — compare snowball vs avalanche strategies and see your debt-free date with automatic projections.

EVERYDAY MONEY

- Subscription Tracker Spreadsheet — track every recurring charge, with Monthly Cost normalised across yearly and weekly plans.

INVESTING & RETIREMENT

- Net Worth & Investment Tracker Spreadsheet — automatic net worth calculation, investment portfolio tracking and a retirement countdown.

- Investment Portfolio Tracker — enter shares and prices and the Dashboard totals value, cost basis and gain/loss.

- Investment & Savings Tracker Spreadsheet — track net worth, investments and savings goals in one auto-calculating spreadsheet.

- Retirement Savings Tracker — track retirement contributions by account and your progress toward a savings goal.

WHAT'S INSIDE (13 SPREADSHEETS)

1. Monthly Budget Planner Spreadsheet

2. Paycheck Budget Planner Spreadsheet

3. Zero-Based Budget Master Spreadsheet

4. Annual Budget Spreadsheet

5. Couples Budget Spreadsheet

6. Sinking Funds Tracker Spreadsheet

7. No-Spend Challenge & Savings Tracker

8. Debt Payoff Accelerator Spreadsheet

9. Subscription Tracker Spreadsheet

10. Net Worth & Investment Tracker Spreadsheet

11. Investment Portfolio Tracker

12. Investment & Savings Tracker Spreadsheet

13. Retirement Savings Tracker

Works in Excel 2016+, Google Sheets, LibreOffice Calc and Apple Numbers — no plugins, no macros, no subscription. A START-HERE.txt in the download explains how to open each file.

HOW DELIVERY WORKS

Buying this bundle unlocks all 13 spreadsheets: every workbook's download links arrive in your confirmation email, and each appears individually in your account library for re-download anytime.

FAQ

Q: Can I edit the files? A: Yes — they are working Excel/Google Sheets workbooks with formulas, not flattened PDFs.

Q: Licence? A: Personal and household use. Not for resale or redistribution. Plain-English terms: omniauradigital.com/license.

Q: Future updates? A: Yes — re-download anytime from your account; improvements are free.

Q: Is this financial advice? A: No — these are organizational tools to track your own numbers, not investment or tax advice.

(c) OmniAura Digital - original content and layout. Personal and household use only.