Household Budget Tracker (PH) — 13th Month, Bills, SSS/PhilHealth/Pag-IBIG, Sinking Funds, Debt Snowball

The complete family budget workbook built for Filipino households. One Excel file handles everything: track salary, 13th-month pay, and allowances across up to 3 earners; monitor all your bills (Meralco, water, internet, Netflix, and more) month by month; auto-compute your SSS, PhilHealth, and Pag-IBIG contributions by bracket; build goal-based sinking funds for tuition, Christmas, emergencies, and vacations; and crush debt using the proven Debt Snowball method. All formulas are connected. The Dashboard shows your savings rate, current month income vs. expenses, sinking fund progress, and total debt remaining — at a glance, every time you open the file. Works in Excel and Google Sheets. No internet, no add-ins, no subscription. One-time ₱199.