Personal Finance Workbook
Budget vs actual, net worth, snowball vs avalanche debt payoff, verified
Budget against actual, net worth by month, and a debt payoff plan running snowball and avalanche side by side with the payoff month and interest of each.
One price, no licence to choose. Payment and VAT are handled by Gumroad, the merchant of record.
Three things most people keep in three places, in one verified workbook. Budget: one row per category, planned and actual, with income, spending, surplus and the savings rate computed. Net worth: assets and debts by month with totals and the month-on-month change. Debts: up to six with balance, rate and minimum, plus the extra you can pay; the workbook then runs 240 months of snowball (smallest balance first) and avalanche (highest rate first) side by side, every open debt charged interest on its opening balance, every minimum paid, the extra pool (your extra plus the minimums of debts already cleared) sent to the target debt, and the Payoff plan sheet showing months to debt-free, total interest and total paid under each method and the difference between them.
- Both payoff schedules and every summary line recalculated with a formula engine and matched to an independent Python replica before listing.
- Live formulas, no macros, no locked cells; opens in Excel and Google Sheets. The sample figures are illustrative; replace them.
- Arithmetic on your own numbers. Not financial advice.
Checked, not asserted. This workbook was recalculated cell by cell through a formula engine and matched against an independent replica written separately: 28 checks, all passing, last run 2026-10-17. Each check compares the figure the workbook produces against one worked out separately by hand before the run, so a figure lost in packaging fails the check rather than reaching you. Read the verification report for the UAE Corporate Tax workbook, or how Bindler verifies.
What was checked: all 17, by name
Each line is one figure recalculated and matched against a value worked out by hand before the run. The figures themselves are in the workbook.
- Snowball: months vs 34, interest vs , paid vs
- month 1: paid vs , interest vs , remaining vs
- month 2: paid vs , interest vs , remaining vs
- month 6: paid vs , interest vs , remaining vs
- month 12: paid vs , interest vs , remaining vs
- month 24: paid vs , interest vs , remaining vs
- Avalanche: months vs 34, interest vs , paid vs
- budget B47 vs
- budget B48 vs
- budget B49 vs
- budget B50 vs
- budget B51 vs
- budget B52 vs
- budget B53 vs
- net worth C26 vs
- net worth C27 vs
- net worth C28 vs
What is inside
1 Excel workbook (.xlsx), sheets: Budget, Net worth, Debts, Snowball (240 months), Avalanche (240 months), Payoff plan, Guide.
Use it if
You want a budget, a net worth tracker and a debt payoff plan whose arithmetic you can check, in one file.
Not for
You want bank feeds, automatic categorisation or investment projections; this is a spreadsheet you fill in.
Who you are buying from
Bindler is the trading name of Neil Sangwaiya, one person in Dubai. There is no company behind that name, no sales team and no reviews, and this page is not going to pretend otherwise. What there is instead is a record. Gumroad takes the payment and is the merchant of record, so your card details never reach Bindler. Where a figure could not be verified the cell is left blank rather than filled. When something was found wrong it was written down and dated in the change log with the old figure named. And there is a 30-day money back guarantee, no reason needed, handled by Gumroad.
What you actually download
One spreadsheet file. No macros and no VBA, because the .xlsx format cannot carry them. No locked cells and no hidden sheets. If your IT will not let you open a spreadsheet from outside, upload it to Google Sheets and it opens there. And yes, an AI built it: that is exactly why every figure is recalculated against a replica worked out by hand first, rather than trusted.
Sheet previews
How buying works
- Choose a licenceSingle user for one person, team for up to 10, consultancy to use with clients. The buttons above go to the Gumroad page.
- Pay on GumroadCard or PayPal; Gumroad is the merchant of record and handles VAT and the receipt.
- Download the fileThe .xlsx arrives on the receipt page and by email. It opens in Excel and Google Sheets; nothing to install.
- Use itYellow cells are inputs, blue cells are formulas, every figure names its source. Questions: reply to the receipt; every reply is read and answered, usually the same day.
Advisers and accountants who recommend these workbooks to clients can earn 30% of each sale as a Gumroad affiliate: sign up on the store, no approval wait.
Search terms this page answers: budget spreadsheet excel, net worth tracker excel, debt snowball spreadsheet, debt avalanche calculator excel, personal finance workbook.