Business spreadsheets

Thriftwell

by PN Scripts

A budget and debt payoff workbook that shows when each debt is paid off with the snowball, avalanche or minimum-only method, and what each one costs in interest.

Microsoft Excel (.xlsx)
LibreOffice Calc (.ods)
Formulas only, no macros

Coming soon

Coming soon

Not published on its store yet, so there is no buy or download link. PN Scripts does not take payment for it here.

Business spreadsheets

Thriftwell dashboard with the month's budget, debt-free dates and two charts

What it solves

The gap

People paying off several debts rarely know which order saves the most interest or when they will be debt-free, and a budget that resets every month hides money set aside for irregular costs.

What it is

One workbook that runs the snowball, avalanche and minimum-only schedules side by side from your real debts, and a category budget where unspent money can roll over.

How you use it

A clear debt-free date and the interest each method costs, next to the budget that pays for it.

For people who want to see the numbers behind their debt plan in an ordinary spreadsheet they own, without an app subscription.

Who it is for

Use it when

Deciding between paying the smallest card or the most expensive one first
Running a household budget where groceries or gifts money carries over
Tracking net worth and savings goals while the debts go down

Built for

Individuals and couples paying off credit cards and loans
Budget coaches and advisers who prepare a plan with a client

What is inside

Three payoff plans from one list of debts

Enter each debt's balance, yearly interest rate and minimum payment, plus the extra you can add each month. The Snowball, Avalanche and Minimums sheets charge interest monthly, apply payments in order and move freed payments to the next debt, for up to 360 months.

A comparison you can act on

The Debts sheet lists months to debt-free, the debt-free month, total interest, total paid and interest saved against minimum payments only, then the payoff month of every debt under each method. A chart shows the total balance year by year.

A budget that remembers

Plan thirty categories over twelve months. Actuals are summed from the transaction log by category and month, and for the categories you mark, unspent money carries into the next month while overspending reduces it.

Tested formulas, two languages

Six debt scenarios, including equal balances, a 0 percent plan and a debt that never shrinks, were calculated by LibreOffice and compared with an independent Python model. The Bulgarian edition uses euro and Bulgarian month names.

Gallery

Debts sheet comparing snowball, avalanche and minimum payments — Snowball, avalanche and minimums compared, with the payoff month of each debt.

Snowball schedule with each debt's balance month by month — The snowball schedule, month by month until every balance reaches zero.

Budget sheet with actuals and the amount left per category with rollover — Actuals from the transaction log and what is left per category, with rollover.

Savings goals with months left, monthly amount needed and progress chart — Savings goals with the monthly amount needed and a projected finish.

The Bulgarian edition of the dashboard in euro — The Bulgarian edition in euro.

Specs

Availability: Coming soon
Vendor: PN Scripts
Type: Template
Pricing: One-time purchase Price to be announced.
License: Commercial license
Deployment: Download (ZIP with .xlsx and .ods files, English and Bulgarian)
Maturity: v1.0.0

Compatibility

Platform or runtime	Supported versions	Tested up to
LibreOffice Calc	24.2 or newer	24.2

Stack

Microsoft Excel (.xlsx)
LibreOffice Calc (.ods)
Formulas only, no macros

Thriftwell is coming soon

It is finished and tested. It is not on sale yet; this page will say where to get it when it is.

Coming soon

Not published on its store yet, so there is no buy or download link. PN Scripts does not take payment for it here.

Questions

A spreadsheet workbook for a monthly budget with rollover, a transaction log, debt payoff planning with snowball and avalanche schedules, savings goals and net worth.

LibreOffice Calc (tested with 24.2) or Microsoft Excel 2010 or newer. Excel and Google Sheets were not opened during testing; the workbook uses only standard functions such as SUMIFS, COUNTIFS and EDATE.

No bank import, no currency conversion, no macros and no mobile app. Limits are 10 debts, 30 categories, 600 transactions, 12 budget months and 360 schedule months. It is a planning tool, not financial advice.

The workbook is generated with openpyxl and converted to .ods by LibreOffice. Created with AI assistance; every formula checked by PN Scripts by recalculating the workbooks in LibreOffice and comparing them with an independent Python model across six debt scenarios.

It is not on sale yet. When it is, this page will link to the store; PN Scripts does not take payment on this site.