2027 Annual Budget & Debt-Payoff Spreadsheet System
One workbook for your whole 2027: monthly budgets, a bills calendar, two debt-payoff plans, sinking funds, and savings goals that calculate themselves.
Who this is for: teams shipping AI agents to production — founders, platform engineers, and anyone whose agents touch money, data, or external systems.
- Complete, zero-placeholder document
- Ready to adopt as-is
- Grounded in production agent-governance practice
$29 Prices in USD
One-time · Instant PDF download via Gumroad · All sales final — no refunds.
Updated October 2026
Get it now — $29Secure checkout via Gumroad · Sold by ghostcorpnet · buyer protection · Single-user license · Instant delivery
Lifetime access — yours forever in your Gumroad library
License TL;DR · full terms
- Use it in your own products and client work
- Single-user license — one buyer, unlimited personal use
- No reselling or redistribution as-is
Not ready? Get the free MIT playbook first.
What it does
A 21-sheet Excel/Google Sheets workbook with a year-at-a-glance dashboard, 12 monthly budget tabs with budgeted-vs-actual formulas, a transactions log, a bills and subscriptions calendar with per-year costs, and a debt payoff sheet that ranks your debts by snowball and avalanche order with month-by-month schedules for each plan's first target debt. It also includes sinking funds, savings goals with monthly-needed amounts, a paycheck budget splitter, a one-page printable monthly summary, and a PDF quick-start guide covering setup, a first-week checklist, and a plain-English snowball-vs-avalanche example. Labeled example rows show how every sheet works; replace them with your own numbers.
What's inside
- Complete, zero-placeholder document
- Ready to adopt as-is
- Grounded in production agent-governance practice
How it works
How do I receive it?
Checkout is handled by Gumroad. The PDF is available for instant download the moment you pay — no account setup on our side, no waiting.
Is it really ready to use?
Yes. Every ghostcorpnet product is written with zero placeholders — adopt it as-is, no "insert your policy here" gaps.
Who is it for?
Teams shipping AI agents to production — founders, platform engineers, and anyone whose agents touch money, data, or external systems.
Pairs well with
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The Complete ghostcorpnet Library — every ghostcorpnet product in one bundle for $79. One purchase, everything we have shipped.