Efficiency Sheets
Simple Sheets
Google Sheets templates
Google Sheets templates for paycheck budgets, couples, debt snowball, sinking funds, bills, net worth and habits, each with a worked example and setup steps.
Paycheck Budget Template for Google Sheets
Budget each paycheck as it lands: split every payday between bills, spending and savings, with a worked example and a Google Sheets template.
Couples Budget Template for Google Sheets
A shared budget for two: both incomes, joint bills, personal spending money and shared savings goals in one Google Sheet you can both edit.
Debt Snowball Spreadsheet for Google Sheets
Pay off debt with the snowball method: smallest balance first, rolling each payment into the next. A worked example and a Google Sheets budget to run it in.
College Student Budget Template for Google Sheets
A student budget for Google Sheets: loans, part-time pay and family help in, rent, food, books and fun out, with a worked example for one semester month.
Sinking Funds Tracker for Google Sheets
Track sinking funds in Google Sheets: save a little each month for known costs like Christmas, car repairs and vacations, with a worked example.
Zero-Based Budget Template for Google Sheets
Give every dollar a job: a zero-based budget template for Google Sheets with a worked example where income minus everything planned equals zero.
50/30/20 Budget Template for Google Sheets
Split take-home pay into 50% needs, 30% wants and 20% savings. A worked 50/30/20 example and a Google Sheets template that tracks it each month.
Bill Tracker Spreadsheet for Google Sheets
Every bill, its amount and due date in one Google Sheet, with a paid checkbox for every month of the year. A worked example of a monthly bill list.
Net Worth Tracker Spreadsheet for Google Sheets
Track your net worth in Google Sheets: what you own minus what you owe, with live stock and crypto prices and a yearly goal. A worked example.
Habit Tracker for Google Sheets
A daily habit tracker in Google Sheets: a checkbox for every habit and day, with percentages, progress bars and charts that fill in as you go.