Plan the month, log what you actually spent, and watch the gap close. Everything calculates itself, including the uncomfortable parts.

Seven sheets

• DASHBOARD — pick a reporting month and get income, spent, saved, savings rate, biggest category, budget health, categories over plan, debt-free date and a 12-month income vs spend view
• MONTHLY BUDGET — 14 categories, 6 fixed and 8 variable, planned vs actual, with percent used turning red above 100% and a 50/30/20 Needs-Wants-Savings scorecard
• EXPENSE LOG — 50 realistic sample transactions, four drop-downs and data bars
• SAVINGS GOALS — 6 goals with progress bars running red to yellow to green, the monthly amount needed, and On track / Behind / Complete status
• DEBT SNOWBALL — 6 debts ordered smallest balance first, months to payoff and interest saved
• NET WORTH — assets minus liabilities month by month, with your change since January
• Start Here — setup in 10 minutes

Who it is for

Anyone who has tried a budget app, quit it, and wants a spreadsheet they actually own. No account, no subscription, no data leaving your machine.

Works with: Microsoft Excel 2016+ and Google Sheets (free). No macros, no ads, print-friendly. Sample transactions are included so every formula is already working before you replace them.

Instant download. Unlimited use for your own household.