Simple, honest spreadsheet templates for budgeting, debt payoff, and building savings — no financial degree required. Just you, a number, and a plan.
Each template solves one specific financial problem — clearly, without overwhelm.
You check your balance at the end of the month and feel surprised. There's nothing left but you can't trace why. The answer is almost always in a few categories you haven't been tracking.
Multiple balances, different interest rates, minimum payments — it feels like running in sand. You need a single strategy and a payoff date to work toward.
It keeps getting pushed to next month. Without a specific target and a contribution schedule, it stays abstract. A concrete plan with a projected completion date changes that.
From month-to-month budgeting to long-term financial tracking — each one has one job and does it precisely.
Give every dollar a job. Track spending against your plan. End each month knowing exactly where it went.
See the whole year at once. Track income, net worth, investments, and taxes — all from one place.
Enter your debts once. The template builds your payoff plan, compares strategies, and calculates your exact payoff date.
Set your target, schedule your contributions, and watch your safety net grow with a clear completion date in view.
Enter your monthly take-home pay and get an instant breakdown using the 50/30/20 rule — the simplest starting point for any budget.
The 50/30/20 rule is a widely-used starting point: 50% covers needs, 30% goes to wants, and 20% builds financial security. Adjust the percentages however fits your life.
The initial setup takes about 15 minutes. After that, your only job is logging numbers.
Buy on Etsy or Gumroad. Your .xlsx file downloads immediately — no account needed. Save it to Google Drive for access from any device.
Enter your monthly income, rename any budget categories, and add your account balances. The Setup tab drives every formula in the workbook.
Assign your income across categories until the remaining balance reaches $0. The template flags over-allocation in real time so nothing slips.
Add expenses as they happen or batch-enter once a week. The dashboard automatically shows budgeted vs. actual and highlights anything overspent.
"I've tried three other budget templates. This is the only one I've actually stuck with for more than a week. The variance column showing me I was $90 over on dining out changed my habits immediately."
Saved $200+ in first month"The debt tracker told me I'd be debt-free in March 2028 if I stuck to the plan. That date made it real. I've been hitting every payment since."
On track to pay off $18k"I have irregular income as a contractor and I was worried this wouldn't work for me. The setup for variable earners is simple and exactly right. I budget from my floor and it's been a game-changer."
6-month emergency fund builtYes. The Setup tab has a field for irregular income where you enter your lowest expected monthly take-home. Budgeting from your floor — not your ceiling — is best practice for variable earners. When a higher month comes in, you log the extra as a category called "surplus" or roll it into savings.
The default supports 15 debts. To add more, insert rows in the debt table — the payoff calculator and payment schedule are structured to auto-detect new rows. No formulas to update manually.
They're separate files by design — keeping them independent means neither breaks when you update the other. The annual dashboard has a manual input column for monthly totals you copy over from the budget tracker. Takes about two minutes per month.
All budget categories are defined in the Setup tab as a simple list. Change them there and every dropdown in the expense log updates automatically. The defaults (housing, food, transport, etc.) are just starting points — entirely replaceable.
Pick a template. Download it today. Log your first month this weekend — and finally stop guessing.