Plainsheet guides

Practical, no-fluff guides to running your money and time in a spreadsheet. Each guide shows the method and the formulas, so you can build it yourself for free. If you'd rather skip that, there's a ready-made template.

• Debt Snowball vs Avalanche: Free Google Sheets Spreadsheet Method
  Debt snowball vs avalanche explained with real numbers, plus how to build a free debt payoff spreadsheet in Google Sheets step by step.
• Paycheck Budget Template: How to Budget Biweekly Pay Step by Step
  How to budget by paycheck when you are paid biweekly or twice a month: assign bills to paychecks, handle 3-paycheck months, and use a simple template.
• Wedding Budget Planner Spreadsheet: Categories, Percentages & Template
  Set up a wedding budget planner spreadsheet: typical category percentages, estimated vs actual vs paid columns, deposits, guest-count math and a free method.
• Net Worth Tracker Spreadsheet: How to Track Net Worth Monthly
  How to track your net worth in a simple spreadsheet: what counts as assets and liabilities, how often to update, how to value things, and reading the trend.
• Meal Planning on a Budget: Weekly Meal Plan & Grocery List Spreadsheet
  A practical system for meal planning on a budget: rotate recipes, plan around what you have, build an automatic grocery list and cut food waste.
• Freelancer Income Tracker: How Much to Set Aside for Taxes (Spreadsheet)
  Track freelance income and invoices in a spreadsheet, chase overdue payments, and set aside a percentage for taxes each time a client pays.
• PTO Tracker Spreadsheet: Track Vacation & Sick Days (Excel / Google Sheets)
  How to track PTO, vacation and sick days in a spreadsheet for yourself or a small team: accruals, carryover, workday counting with NETWORKDAYS and holidays.
• Habit Tracker Spreadsheet 2027: How to Track Habits That Actually Stick
  How to use a habit tracker spreadsheet in 2027: choosing habits, daily check-offs, completion rates, streaks, and what to do after a missed day.
• Sinking Funds Spreadsheet: How to Set One Up (Google Sheets & Excel)
  How to build a sinking funds spreadsheet in Google Sheets or Excel: list irregular expenses, calculate monthly contributions with formulas, track balances and spending.
• Zero-Based Budget Spreadsheet: Give Every Dollar a Job
  A practical guide to zero-based budgeting in a spreadsheet: assign every dollar of income, handle irregular costs, roll over leftovers and keep the budget balanced to zero.
• Side Hustle Income Tracker Spreadsheet: A Complete Setup
  Set up a side hustle income tracker spreadsheet: log payouts by platform, separate fees and expenses, track hours, see monthly profit and set money aside for taxes.
• Travel Budget Spreadsheet: Plan, Track and Split Trip Costs
  How to make a travel budget spreadsheet: estimate trip costs, track daily spending abroad with currency conversion, and split shared costs fairly among travellers.
• How to Budget on an Irregular Income
  A step-by-step method to budget with irregular income: find your baseline month, pay yourself a steady salary from a buffer account, and handle good and bad months.