Budget + Debt Payoff Planner — Excel/Google Sheets Budget, Snowball/Avalanche Calculator + 50 AI Money Prompts

Sold by Cygnix Digital Packs with secure USDC checkout.

Description

Take control of your money in one spreadsheet: a ready-to-use Budget + Debt Payoff Planner for Excel, Google Sheets and LibreOffice, plus AI workflows that turn your real numbers into a plan. 7 tabs: Monthly Budget (planned vs actual for 20 categories, auto-filled from your expense log, left-to-budget), Expense Tracker (500 rows, category dropdown), Debt Payoff (up to 10 debts, Snowball or Avalanche priority, months to payoff + estimated interest), Savings Goals (months to goal, % complete), Annual Overview (12 months, savings rate), Categories and Start Here. Also 4 AI workflows (SKILL.md) for ChatGPT, Claude, Cursor or any agent: monthly budget builder, debt payoff planner, expense audit (find subscriptions and leaks), savings goal planner; and 50 copy-paste money prompts. Planning tool only, not financial advice; interest figures are estimates. Cygnix Labs digital pack.