A simpler way to manage your personal finances.
Budget spreadsheets for Google Sheets and Excel, free calculators, and plain-language guides for paying off debt, saving, and living on an irregular income.
Guides that get to the point
Straight answers on budgeting, debt, and saving, written by someone who runs these numbers every month.
All articles →
How Couples Split Bills Fairly When They Earn Different Incomes
When one partner earns more, a 50/50 split can strain the lower earner. Here's how to split bills fairly by income, with a calculator to run your own numbers.
How to Calculate Monthly Income From a Biweekly, Weekly, or Semi-Monthly Paycheck
Paid every two weeks? Multiply one paycheck by 26 and divide by 12, not by 2. Here's the conversion for every pay schedule, with a calculator.
Sinking Fund vs. Emergency Fund: What's the Difference?
A sinking fund covers costs you know are coming. An emergency fund covers the ones you don't. Here's how to tell which one an expense belongs in.
How to Track Expenses Without Burning Out
A simple, low-effort system for tracking expenses in a spreadsheet, including what to do when the habit starts to feel like a chore or you fall off it entirely.
How to Budget on a Biweekly Paycheck
A biweekly paycheck budget works by pay period instead of by month, so bills and paychecks line up. Here's how, including three-paycheck months.
How Sinking Funds Prevent Fake Emergencies
A sinking fund is money set aside gradually for expenses you know are coming, so they stop feeling like emergencies. Here's how to start one.
Budget spreadsheets that actually get used.
- Works in Google Sheets and Excel, online or off
- One-time purchase, with no subscription and no ads
- Dark and light themes in every template
From buyers on Etsy
“This budget template was exactly what I was looking for, it contains everything I need and no extra clutter.”
Etsy buyerBudget Spreadsheet
“This has been very helpful so far in getting my husband and I organized with our finances. Everything is easy to see on one sheet.”
“This product is a great way to see where your savings are going. The progress bar is a nice touch and will motivate me. I'm glad I found this shop and this resource!”
BriannaSavings Goals Tracker
Spreadsheets built for one job each
A budget, a debt tracker, a savings tracker, and more. Each one does its job well rather than trying to do everything.
All spreadsheets →
Budget Spreadsheet
Track your income and daily expenses with real-time progress indicators that show exactly where you stand each month. Works with Google Sheets and Microsoft Excel.
Couples Budget Spreadsheet
Split bills, track shared and personal expenses, and manage savings together. Built for two incomes, one shared financial picture.
Debt Payoff Tracker
See your total debt, log payments, and watch your balances drop month by month with clear visual progress. Track credit cards, loans, and any other debt.
Savings Goals Tracker
Set multiple savings goals, track contributions, and watch your progress toward each one. Perfect for emergency funds, sinking funds, and any savings target.
Net Worth Tracker
Track your assets, liabilities, and overall net worth over time. See your full financial picture in one place and watch your wealth grow month by month.
Credit Card Tracker
Track credit card balances, payments, and utilization across all your cards. Stay on top of due dates and keep your credit utilization in check.
Set up in an afternoon. Keep it for years.
No bank logins, no app to learn. A spreadsheet you own, doing the math for you.
- Step one
Pick the sheet that fits
Start with the budget, or go straight to debt, savings, net worth, or a shared budget for two.
- Step two
Get your own copy
Make your own copy in Google Sheets, or open the Excel file if you would rather work offline.
- Step three
Log as you go
Enter your income and spending. Totals, progress bars, and charts update on their own.
The math you keep putting off, done in a minute
Calculators and quick assessments that run in your browser. No email, no sign-up.
All 13 tools →50/30/20 Budget Calculator
Enter your take-home pay and see how much to spend on needs, wants, and savings each month.
Biweekly Paycheck Calculator
Paid every two weeks? See your typical two-paycheck month, your two three-paycheck months, and a steady average to budget against.
Weekly Paycheck Calculator
Paid every week? See your typical four-paycheck month, your four five-paycheck months, and a steady average to budget against.
Semi-Monthly Paycheck Calculator
Paid twice a month on fixed dates? See your monthly and annual income from 24 paychecks, and how it differs from biweekly pay.
Bill Split Calculator
Enter both take-home incomes and your shared bills to compare a 50/50 split with a fair split weighted by income.
Bill Split Calculator for Groups
Enter a total bill, the number of people, and tax and tip to see exactly what each person owes.
Budgeting style quiz
Not sure where to start?
Seven questions about how you already handle money, and a budgeting style that suits it. No email, no sign-up.
Take the 60-second quizI spent years frustrated by complicated budgeting apps that didn't fit my life. After six years of refining my own spreadsheet systems, I realized that clarity comes from simplicity, not extra features. I combined my background in UX design with my passion for personal finance to build the tools I wish I had from the start.
Read the full storyQuestions before you start
The short answers. Each spreadsheet page covers its own template in more detail.
Do the spreadsheets work in Google Sheets and Excel?
Yes. Every template comes as a Google Sheets file you copy into your own Drive and an Excel (.xlsx) file you can download and use offline.
Do I need to know how to use spreadsheets?
No. The templates are ready to use out of the box. Enter your income, start logging expenses, and the formulas and progress bars handle the rest.
How is a spreadsheet different from a budgeting app?
You own your data. There is no subscription, no ads, and no company that can shut down and take your history with it, and you can see every formula doing the math.
Can I change the categories?
Yes. Common categories come pre-filled, and you can rename, add, or remove any of them to match how you actually spend.
Are the calculators really free?
Yes. Every calculator and quiz on the site is free to use, runs in your browser, and asks for no email or sign-up.
A budget you own, for good.
Pay once and keep it. Every template works in Google Sheets and Excel, in a dark or light theme.