How this works: spendable = what's left after bills, minus your savings goal. The
target line assumes spending it evenly across the month. Log what you actually spend and the actual
line shows whether you're ahead of pace (room to spare) or behind it (time to ease up).
Where the numbers came from: income is a one-time snapshot read from the
Debt Payoff Calculator
sheet, not a live link — it's an uploaded .xlsx, not a native Google Sheet, so it can't be
wired to refresh automatically the way a Sheet could. If pay or the paycheck split changes, edit
it above directly.