The all-in-one budget spreadsheet that replaces 5 different apps. Track income, crush debt, build savings, and grow your net worth — all in one beautifully designed Google Sheets & Excel file.
Download once, use anywhere. Full functionality in both platforms — no features left behind.
Toggle between single-income and dual-income workflows. Shared categories with "who pays what" splits.
Weekly, biweekly, semi-monthly, monthly, or irregular income. Budget by paycheck, not arbitrary calendar months.
Enter your debts once — instantly see snowball and avalanche payoff plans, interest saved, and your debt-free date.
Save ahead for holidays, car repairs, insurance, and vacations. Visual progress bars show exactly where you stand.
Monthly snapshots of assets vs liabilities with trend charts. Watch your wealth grow over time.
See where you'll be in 1, 3, and 5 years at your current trajectory. Adjustable growth assumptions included.
List every recurring charge. Mark each as Keep / Maybe / Cancel — instantly see your potential annual savings.
Your financial command center. See income vs expenses at a glance, track key metrics like savings rate and net cash flow, and navigate to any tab instantly. Choose between single or dual-income mode.
The core of your budget. 8 income sources and 42 expense categories with budgeted vs actual tracking. Conditional formatting instantly shows where you're over or under budget.
Budget by paycheck instead of by month. Perfect for biweekly, weekly, or irregular income earners. Allocate every dollar and check off items as you pay them.
Your single source of truth. Log every transaction with date, description, category dropdown, amount, and payment method. 500 pre-formatted rows ready to go.
Never get blindsided by annual or irregular expenses again. Set up savings envelopes for vacations, holidays, car maintenance, insurance, and more.
Enter all your debts and see snowball (smallest first) and avalanche (highest APR first) payoff strategies side by side. Add extra payments to see how much faster you'll be debt-free.
Track multiple savings targets — emergency fund, house down payment, vacation, wedding, education. Set deadlines and see exactly how much to save each month.
See the full picture: assets vs liabilities, updated monthly. The trend line chart shows your net worth growing over time — the most motivating view in the whole spreadsheet.
List every recurring charge and decide what stays. The "What If I Cancel?" column shows exactly how much you'd save per year. Most users find $200-500 in savings here.
The bird's-eye view. See your income, expenses, and net savings across all 12 months in one grid. Spot seasonal patterns and track year-long trends with the built-in bar chart.
The #1 most-requested feature. See where you'll be in 1, 3, and 5 years based on your current income, expenses, and savings. Adjust growth assumptions to model different scenarios.
Get started in 10 minutes. Step-by-step instructions for every tab, plus tips for long-term budgeting success. No video required — everything is right in the spreadsheet.
| Feature | Basic Etsy Templates | YNAB / Monarch | Complete Finance Dashboard |
|---|---|---|---|
| Price | $5-10 | $99-180/year | $19.99 once |
| Tabs / Views | 1-3 | Many | 12 connected tabs |
| Debt Payoff Calculator | ✗ | ✓ | ✓ |
| Net Worth Tracking | ✗ | ✓ | ✓ |
| Sinking Funds | ✗ | ✓ | ✓ |
| 5-Year Projections | ✗ | ✗ | ✓ |
| Subscription Audit | ✗ | ✗ | ✓ |
| Couples Mode | ✗ | ✓ | ✓ |
| Irregular Income | ✗ | ✓ | ✓ |
| Own Your Data | ✓ | ✗ | ✓ |
| No Subscription | ✓ | ✗ | ✓ |
One-time purchase. Yours forever.
30-day money-back guarantee. No questions asked.
Compared to subscription apps:
Yes! The spreadsheet is fully functional in Google Sheets. Simply upload the .xlsx file via File > Import, and all formulas, formatting, dropdowns, and charts will work perfectly. You just need a free Google account.
Yes, it works natively in Microsoft Excel (desktop and online). All formulas, conditional formatting, data validation, and charts are Excel-compatible.
Not at all. Every input field uses dropdowns and simple number entry. All formulas are pre-built and locked. If you can type a number and select from a dropdown, you can use this spreadsheet.
Absolutely. All 42+ expense categories are fully editable. Rename them, add new ones, or remove ones you don't need. The formulas will continue to work automatically.
Yes! You pay once and it's yours forever. No monthly fees, no annual renewals, no premium tiers. You also get free lifetime updates — when we improve the spreadsheet, you get the new version.
Yes, via the Google Sheets or Excel mobile apps. The spreadsheet is optimized for desktop use but fully functional on tablets and phones for quick expense logging.
This is designed for personal and household finances. For business accounting, you'll want dedicated bookkeeping software. That said, freelancers and side-hustlers love the irregular income and paycheck budgeting features.
30-day money-back guarantee, no questions asked. If the spreadsheet doesn't work for you, just reach out and we'll refund you immediately.
Join thousands of people who replaced expensive apps and basic templates with one powerful spreadsheet.
Get the Complete Finance Dashboard — $19.99 Instant download. Works in Google Sheets & Excel. 30-day guarantee.