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Personal Budget with Debt Payoff & Refi Calculator

Every sheet, inside the model

Each worksheet as it looks with the sample data, followed by the 10-page report. Select any picture to open it full size.

01Output

Dashboard

Year-to-date income, expenses, net saved and savings rate, your debt figures and four charts.

Personal Budget - Sample Data.xlsx — Dashboard

Personal Budget with Debt Payoff & Refi Calculator Excel template, Dashboard sheet showing year-to-date income, expenses, net saved and savings rate, your debt figures and four charts

02Output

Summary

Budget against actual for every month and every category, with year-to-date totals.

Personal Budget - Sample Data.xlsx — Summary

Personal Budget with Debt Payoff & Refi Calculator Excel template, Summary sheet showing budget against actual for every month and every category, with year-to-date totals

03Input

Budget

Your plan for the year: a monthly amount for each line and the months it runs, with the year filled in.

Personal Budget - Sample Data.xlsx — Budget

Personal Budget with Debt Payoff & Refi Calculator Excel template, Budget sheet showing your plan for the year: a monthly amount for each line and the months it runs, with the year filled in

04Input

Actuals

A simple log of what came in and went out: the date, the category from a dropdown, the amount and a note.

Personal Budget - Sample Data.xlsx — Actuals

Personal Budget with Debt Payoff & Refi Calculator Excel template, Actuals sheet showing a simple log of what came in and went out: the date, the category from a dropdown, the amount and a note

05Input

Debts

Your debts, the snowball and avalanche payoff plans, your debt-free date and a consolidation test.

Personal Budget - Sample Data.xlsx — Debts

Personal Budget with Debt Payoff & Refi Calculator Excel template, Debts sheet showing your debts, the snowball and avalanche payoff plans, your debt-free date and a consolidation test

06Input

Refi

Your current home loan against a new offer: the monthly saving, the months to win back the fees and the total cost.

Personal Budget - Sample Data.xlsx — Refi

Personal Budget with Debt Payoff & Refi Calculator Excel template, Refi sheet showing your current home loan against a new offer: the monthly saving, the months to win back the fees and the total cost

07Input

Setup

Your name, budget year, currency and category list, with a 50/30/20 group for each expense category.

Personal Budget - Sample Data.xlsx — Setup

Personal Budget with Debt Payoff & Refi Calculator Excel template, Setup sheet showing your name, budget year, currency and category list, with a 50/30/20 group for each expense category

08Checks

Checks

Built-in checks that the workbook adds up and your entries are complete. Every line should read OK.

Personal Budget - Sample Data.xlsx — Checks

Personal Budget with Debt Payoff & Refi Calculator Excel template, Checks sheet showing built-in checks that the workbook adds up and your entries are complete

09Guide

Cover

How to use the workbook step by step, with a guide to every tab.

Personal Budget - Sample Data.xlsx — Cover

Personal Budget with Debt Payoff & Refi Calculator Excel template, Cover sheet showing how to use the workbook step by step, with a guide to every tab

Print-ready report

The 10-page report

These pages fill themselves from the workbook. Select them all and print, or save them as one PDF.

Personal Budget with Debt Payoff & Refi Calculator sample report, page 1: Contents
Page 1 · Contents
Personal Budget with Debt Payoff & Refi Calculator sample report, page 2: Budget summary
Page 2 · Budget summary
Personal Budget with Debt Payoff & Refi Calculator sample report, page 3: Income budget
Page 3 · Income budget
Personal Budget with Debt Payoff & Refi Calculator sample report, page 4: Expense budget
Page 4 · Expense budget
Personal Budget with Debt Payoff & Refi Calculator sample report, page 5: Expense budget (cont.)
Page 5 · Expense budget (cont.)
Personal Budget with Debt Payoff & Refi Calculator sample report, page 6: Budget vs actual
Page 6 · Budget vs actual
Personal Budget with Debt Payoff & Refi Calculator sample report, page 7: Debts
Page 7 · Debts
Personal Budget with Debt Payoff & Refi Calculator sample report, page 8: Refinance
Page 8 · Refinance
Personal Budget with Debt Payoff & Refi Calculator sample report, page 9: Monthly charts
Page 9 · Monthly charts
Personal Budget with Debt Payoff & Refi Calculator sample report, page 10: Monthly charts (cont.)
Page 10 · Monthly charts (cont.)

Seen enough?

The sample data and blank copies, in Excel and Google Sheets, are yours right after purchase.

DisclaimerQuigley Capital does not provide financial, investment, legal, or tax advice. All templates, calculators, and content are for informational and educational purposes only. Outputs should be independently verified before use in any real-world decision.