Dashboard tab: year-to-date income, expenses, savings rate and four charts

“Confession: this is my favorite model. I built it for myself 8 years ago and I still use it every month. It’s detailed yet easy to use, keeps my spending organized and keeps me honest about saving. I call it the ultimate personal budget.”
Patrick Quigley

Personal Finance

Personal Budget with Debt Payoff & Refi Calculator

Where does my money go, when will I be debt free, and should I refinance?

“Confession: this is my favorite model. I built it for myself 8 years ago and I still use it every month. It’s detailed yet easy to use, keeps my spending organized and keeps me honest about saving. I call it the ultimate personal budget.”
Patrick Quigley

$49One-time purchase

Four tools in one workbook

Budget tracker
Dashboard
Debt payoff planner
Refi calculator

Buy now →

Instant download after you pay
Two Excel (.xlsx) files: sample data and blank
Plain formulas, no macros

Model highlights

More than a budget

This isn’t just a budget spreadsheet. It’s a personal financial planning tool that connects your everyday spending, savings, debt payoff and mortgage refinancing in one Excel workbook. Plan each month by category, enter what you actually earn and spend, and the Dashboard shows where you stand, when you’ll be debt free and whether a refinance is worth it.

HouseholdsSee where the money goes each month.

Anyone paying off debtGet a date you'll be debt free.

HomeownersKnow if a refinance really pays.

CouplesAgree on one plan for the year.

What's included

Inside the model

12-month budget by category, with a start and end month for each line
Actuals log: enter the date, category and amount, and the monthly totals update
Dashboard with year-to-date income, expenses, savings rate and four charts
Budget against actual by month and by category
Debt payoff scenarios: minimums only, snowball and avalanche
Your debt-free date and the interest each plan saves
Debt consolidation test for the loans you choose
Refinance calculator: monthly saving, months to win back the fees and total cost
Spare income and expense categories you can rename
Built-in error checks
Step-by-step instructions on the Cover tab
Two files: one with sample data, one blank

Reviews

5.06 reviews

“Easy to use and more complete”

“Patrick nails it with his personal budget tracker. It’s easy to use and more complete than any other I’ve seen on the internet. I’m a happy customer.”

Christopher ClaibornePersonal Budget customer

A much better way to manage our budget

“I’ve tried several ways to manage our household budget, but this Excel model brings everything together in one place. It’s helped us keep track of spending, plan ahead, and get a better picture of where our money is going.”

Sarah & James MitchellPersonal Budget customer

Finally, a clear plan for paying off debt

“What I like most is being able to see the different debt payoff options side by side. Instead of guessing, I can see how different payment strategies affect my timeline and interest costs. It’s a practical tool that helps make the plan feel manageable.”

Michael TurnerPersonal Budget customer

More than just a budgeting spreadsheet

“This calculator is a hit for me. It breaks down costs perfectly, allowing you to see the installment, fees, and additional charges all in one place. It’s the perfect tool.”

Greg DamonPersonal Budget customer

Detailed without being overly complicated

“To the point – detailed, but not overly complicated. It’s great that you can fully customize categories and monitor your budget on the fly. A big plus is the clear and simple formulas.”

David ReynoldsPersonal Budget customer

Helps me stay on top of my finances

“Finally, a decent year-round view! I have everything at a glance – I can see overspending and stick to my savings plan more easily.”

Emily CarterPersonal Budget customer

Bought this model? Share your review →

Debt tracking

Debt payoff scenarios

List each debt with what you owe, its rate and minimum payment, then enter what you can pay toward debts each month. The workbook runs three plans side by side: minimums only, snowball and avalanche.

Snowball pays off the smallest balance first, for quick wins. Avalanche pays off the highest rate first, which usually costs the least.

A box at the top gives the answer: the cheaper plan, your debt-free month and the interest saved. You can also test rolling chosen debts into one consolidation loan.

Snowball: smallest balance first
Avalanche: highest rate first

Sample data: 9 debts

Owed today: $136,184
Paying $2,400 a month: $195 above the minimums
Minimums only: 181 months, $59,968 interest
Snowball: 71 months, $33,014 interest
Avalanche: 70 months, $30,492 interest
Interest saved with avalanche: $29,476

Figures from the sample data copy. Your results depend on your own balances, rates and payments.

Refi calculator

Is refinancing worth it?

Enter your current loan from your statement and the new offer from the lender's Loan Estimate: rate, length, closing costs, points, and whether the fees go on the loan.

You see the monthly saving, how many months it takes to win back the fees and the total cost of each loan, with a chart.

A lower payment is not always a better deal. A new 20 or 30 year loan can cost more in total, and the calculator says so plainly.

Months to win back fees = Total fees ÷ Monthly saving

Sample data

Current loan: $187,000 at 6.35%, 11 years left
New offer: 20 years at 4.375%, $2,720 in fees
Monthly payment: $1,975 now, $1,187 after
Monthly saving: $788
Fees won back after: 4 months
Total cost over the loan: $24,839 more

The current loan has 11 years left and the new one runs 20, so the lower payment costs more overall.

Questions

Frequently asked

Something else? Email hello@quigleycapital.com.

What do I receive?

Two Excel (.xlsx) files: one filled with sample data so you can see how everything works, and a blank copy ready for your own numbers. Both download right after purchase, and the instructions are on the Cover tab.

Can you customize it for me?

Yes. We can add categories, tabs or reports for your household or small business. Email us with what you need.

Which version of Excel do I need?

Microsoft 365 or Excel 2019 and later, on Windows or Mac. It uses plain formulas with no macros or add-ins. It is built and tested in Excel; Google Sheets and Apple Numbers may open it but are not supported.

Is it a working model or just a template?

It is a working model. The formulas are already linked from tab to tab, so you type your numbers into the yellow input cells and every result, total and chart updates on its own.

Can I use it for my real numbers?

Yes. I built it for my own household and still use it every month. Start with the blank copy and enter your own budget, spending and debts.

What is your refund policy?

Because the files download straight away, all sales are final. If a file is damaged, will not open or is materially different from its description, email us within 14 days and we will fix it, replace it or refund you.

Do I need to create an account?

No. You pay through our secure checkout (Lemon Squeezy) and get your download link right away on screen and by email. No account or sign-up needed.