Budget Planner with Credit Card Statement Cycles — Excel & Google Sheets
Most budget spreadsheets count a credit card purchase in the month you swipe it.
Budget Planner with Credit Card Statement Cycles — Excel & Google Sheets costs $9.99 on Gumroad. Made by Nam Trung Studio (Spreadsheet templates).
Most budget spreadsheets count a credit card purchase in the month you swipe it. But you pay it later — on your card's due date. This planner fixes that.
Enter each card's statement day and due day once. Every card or Buy Now, Pay Later purchase then lands in the month you actually pay it — automatically.
Example: your card closes on the 14th and is due on the 5th. A purchase on Sep 20 goes on the Oct 14 statement, is paid Nov 5, and counts in November's budget.
What's inside
- Dashboard: income, spending, left over and budget used for any month
- Budget vs. actual for up to 14 categories, with how much came from cards
- Card & BNPL bills due this month and next month, per card, with due dates
- 12-month overview with an income vs. spending chart
- 500 transaction rows with drop-downs; budget month and due date fill in by themselves
- Handles month-end statement dates, February and leap years
Works with Microsoft Excel 2013+ and Google Sheets (File → Import). No macros. Sample data included — delete it and start.
Instant digital download: 1 .xlsx file. Personal use license. Nothing physical is shipped.