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See where the money actually goes
Nine pages that turn a month of guessing into one sheet you can read at a glance. No app, no subscription, no finance degree. Print it at home, or open the same thing in Google Sheets and Excel.
Instant download · A4 and US Letter · Excel and Google Sheets · 30-day refund
Nobody quits a budget because the maths got hard
They quit because the budget lived somewhere they never looked. An app behind a login you open twice and forget. A spreadsheet you built yourself and stopped trusting after the second formula broke. A note that is now four notes.
Money gets calmer when the numbers are somewhere you cannot avoid seeing them. That is the whole argument for a printed budget, and it is why this one is designed to go on a wall or in a folder rather than into another tab.
What the nine pages do
Monthly dashboard
Income, expenses and planned against actual, on one page. The sheet you check, not the one you fill in.
Income and bills
Every due date in one place, so a missed payment is a decision rather than an accident.
Expense tracker
Colour-coded by category. This is the page that answers where did it all go, usually uncomfortably.
Savings and goals
Goal bars you colour in, plus an emergency-fund tracker. Progress you can see beats progress you calculate.
Debt payoff
Snowball or avalanche, with a progress bar. Pick the method, watch the balance move.
Sinking funds and no-spend
For the costs that are not surprises but always arrive like one. Christmas, tyres, the school trip.
Year at a glance
Twelve months side by side, which is where the pattern in your spending finally becomes obvious.
Fully fillable and reusable. Laminate a page and a dry-erase marker resets it every month. Every sheet comes in A4 and US Letter, and the same workbook opens in Excel, Google Sheets and Apple Numbers if you would rather type than write.
What people said
Simple, useful, and not overwhelming. The sinking funds page finally made Christmas and car expenses feel less random.
the sinking funds page!! wish i had started doing this years ago
Looks really nice in my home binder and doesn't use a ton of ink.
Start with one month
Print the dashboard and the expense tracker, fill them in for four weeks, and decide from there. One honest month tells you more than a year of estimating.
Prefer to browse first? The spreadsheets collection has the bookkeeping and wedding workbooks too.
For general budgeting and educational purposes only. This is a planning tool, not financial advice.