The all-in-one budget spreadsheet that replaces 5 different apps. Track income, crush debt, build savings, and grow your net worth.
Choose your platform at checkout. Full functionality on both — 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 calendar months.
Enter your debts once — 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 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.
List every recurring charge. Mark as Keep / Maybe / Cancel — instantly see 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.
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 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 accelerate.
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.
List every recurring charge and decide what stays. The "What If I Cancel?" column shows exactly how much you'd save per year.
The bird's-eye view. See your income, expenses, and net savings across all 12 months in one grid with a built-in bar chart.
See where you'll be in 1, 3, and 5 years based on your current income, expenses, and savings. Adjust growth assumptions to model scenarios.
Get started in 10 minutes. Step-by-step instructions for every tab, plus tips for long-term budgeting success. Built right into the spreadsheet.
| Feature | Basic Templates | YNAB / Monarch | Finance Dashboard |
|---|---|---|---|
| Price | $5-10 | $99-180/year | $19.99 once |
| Tabs / Views | 1-3 | Many | 12 connected tabs |
| Platform Options | Excel only | Web only | Excel + Sheets + Numbers |
| Debt Payoff Calculator | ✗ | ✓ | ✓ |
| Net Worth Tracking | ✗ | ✓ | ✓ |
| Sinking Funds | ✗ | ✓ | ✓ |
| 5-Year Projections | ✗ | ✗ | ✓ |
| Subscription Audit | ✗ | ✗ | ✓ |
| Own Your Data | ✓ | ✗ | ✓ |
| No Subscription | ✓ | ✗ | ✓ |
Pay once. Yours forever.
Choose your format
Full support included · support@serphos.ai
Compared to subscription apps:
We offer two formats: Microsoft Excel (.xlsx) and Apple Numbers (.numbers). Choose your preferred format at checkout. Both contain the same 12 tabs and full functionality. You can also upload the Excel file to Google Sheets if you prefer working in the browser.
Yes! If you need a different format after purchase, just email us at support@serphos.ai with your order number and we'll send the other version right away.
Not at all. Every input field uses dropdowns and simple number entry. All formulas are pre-built. 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.
Yes, via the Excel or Numbers mobile apps. The spreadsheet is optimized for desktop 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 features.
We've got you covered. Email support@serphos.ai with any questions and we'll help you get set up.
Join thousands of people who replaced expensive apps and basic templates with one powerful spreadsheet.
Get the Finance Dashboard — $19.99 Instant download · Excel, Sheets & Numbers · Full support