📊 SAVINGS SNOWBALL TRACKER — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Savings Snowball Tracker is a goal-based Excel system for building savings across multiple priorities. It supports interest-bearing and debt-reduction goals, snowball sequencing, and optional delays—ideal for individuals, families, and financial coaches managing structured savings plans.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Savings Plan table with goal descriptions, balances, interest rates, and delay logic
• Snowball sequencing with customisable order and minimum contributions
• Monthly schedule with deposit tracking, interest earned, and goal completion dates
• Help worksheet with usage tips and tax-adjusted interest guidance

🎯 Perfect For:
• Individuals and families managing multiple savings goals
• Financial coaches and personal finance educators
• Debt reduction with integrated savings logic
• Budgeters using snowball or snowflake strategies
• Anyone planning emergency funds, travel, or large purchases

⚙️ Features:
• Supports both savings and payoff goals with positive or negative balances
• Calculates interest earned and time to goal completion
• Includes delay logic and minimum payment overrides
• Excel-native formatting—no macros or plugins required
• Reusable across income levels and savings strategies

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