Dark Mode Budget Planner Spreadsheet, Black Monthly Template, Debt Payoff, Savings, Dark Theme Budget, Excel Google Sheets

Dark Mode Budget Planner Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. A full budget planner in dark mode: dark charcoal tabs, light text and dark charts that are easy on the eyes at night. Perfect for anyone who budgets late at night or prefers dark screens. ✨ NOW INCLUDES 4 FILES: Excel + Google Sheets, each in a SAMPLE version (filled in so you can see exactly how it works) and a BLANK version (cleared and ready for your own info). ★ WHAT'S INCLUDED ★ • Clickable Start Here cover page with quick-start steps and a color key • Dashboard: pick any month to see income, spending, left over, savings rate, budget used, over-budget categories, net saved this year, net worth, total debt, debt-free date, bills due in the next 7 days and goals funded • Budget health by group (Needs, Wants, Savings, Debt) with progress bars, your top 5 spending categories with flags, upcoming bills and savings goal progress • 4 dashboard charts: income vs. expenses, spending by group, top categories vs. budget, net worth trend • Setup: budget year, income sources, up to 25 expense categories with a group and monthly budget, accounts. Every drop-down reads from here • Transactions log with room for 1,000 entries, drop-down categories and accounts, income / expense sorted automatically • Monthly Budget: budget vs. actual for any month with Over / Close / On track flags, a 50/30/20 check and safe-to-spend per day • Annual Overview: every category, every month, with over-budget months in red, savings rate, running total saved and 3 charts • Bills tracker: monthly, quarterly and yearly bills with next due date, days left and Paid / Autopaid / Due soon / Overdue status • Bill Calendar: a month calendar of what's due each day plus a sorted list of bills for that month • Debt Payoff: up to 10 debts, snowball or avalanche, extra monthly payment, debt-free date, payoff month per debt, interest saved vs. minimums, plus a 30-year month-by-month Debt Schedule • Savings Goals: up to 10 goals with targets, dates, a monthly deposit grid, progress bars and On track / Behind status • Net Worth tracker: assets and liabilities month by month, change vs. last month and a trend chart • Insights: average monthly income and spending, projected savings, best month, category trends vs. your 3-month average, spending by weekday and account, a what-if savings calculator and automatic tips • 15 built-in charts, conditional formatting and progress bars throughout • 4 files: Excel + Google Sheets editions, each with a sample version and a blank ready-to-use version ★ PERFECT FOR ★ ✓ Anyone who budgets late at night or prefers dark screens ✓ Monthly budgeting, debt payoff and savings goals in one file ★ COMPATIBILITY ★ • Microsoft Excel (desktop, Mac, web) • Google Sheets (upload to Google Drive and open with Google Sheets) • Not designed for Apple Numbers ★ HOW IT WORKS ★ 1. Download the file right after purchase. 2. On Setup, enter the year, your income sources and