Core or Complete?
Both are the same honest, no-subscription spreadsheet — and both cover the everyday basics beautifully. The difference is how far you want to look ahead. Core keeps things simple; Complete adds the planning, forecasting and net-worth tools for the whole picture. Here’s exactly what’s in each.
Core Edition
The essentials, done well.
Set a budget, track what comes in and goes out, keep an eye on your accounts and subscriptions — all on one clean dashboard. Everything you need to start managing your money, with nothing extra to learn.
Best for — anyone who wants a straightforward monthly budget and spending tracker, without the deeper planning tools.
Complete Edition
Your whole financial life, in one file.
Everything in Core, with every other tab unlocked — debt payoff, loans, net worth, day-by-day cash-flow forecasting, savings goals, investments, insurance and more, all feeding a full dashboard that watches for trouble ahead.
Best for — anyone who wants to plan, not just track: pay down debt, forecast cash flow, and watch net worth and long-term goals grow.
Everything, tab by tab
A full breakdown of what each edition includes. If a tool matters to you, this is the quickest way to see which edition you need.
| Feature | Core | Complete |
|---|---|---|
| Everyday budgeting — in both editions | ||
| Guided setup & Start Here checklistStep-by-step first-run walkthrough, so you’re running in minutes. | ✓ | ✓ |
| Your own categories, groups, accounts & usersOne Setup tab feeds every dropdown in the workbook. | ✓ | ✓ |
| Income & automatic paycheck scheduleEnter each paycheck once; the year’s paydays fill in for you. | ✓ | ✓ |
| Deposits & creditsRefunds, gifts, reimbursements, interest — money in that isn’t a paycheck. | ✓ | ✓ |
| Recurring billsRent, utilities, insurance — entered once, posted automatically each month. | ✓ | ✓ |
| Day-to-day spendingLog everyday purchases; everything rolls up on its own. | ✓ | ✓ |
| Subscriptions trackerSee what your memberships really cost per month and per year. | ✓ | ✓ |
| Bank account balancesEnter a starting balance; income and spending keep it current. | ✓ | ✓ |
| Monthly budget vs. actualSet a limit per category and watch “Safe to Spend” update live. | ✓ | ✓ |
| Annual totalsEvery category, month by month, for the whole year. | ✓ | ✓ |
| DashboardYour money at a glance. | ✓streamlined | ✓full: alerts, KPIs, heatmap & charts |
| Planning & forecasting — Complete only | ||
| Bill calendarA month-at-a-glance view of what’s due and what lands, day by day. | — | ✓ |
| Cash-flow forecastDay-by-day projection to year-end, with the date you’d run short. | — | ✓ |
| Sinking fundsSet money aside a little each month for known future costs. | — | ✓ |
| Debt & loans — Complete only | ||
| Debt payoff plannerSnowball or avalanche, with a payoff order and debt-free date. | — | ✓ |
| Mortgage tracker & amortizationFull schedule, extra-payment what-ifs, and interest saved. | — | ✓ |
| Second mortgage, auto loan & other loanThree more amortization tabs for every loan you carry. | — | ✓ |
| Analysis & insight — Complete only | ||
| 50 / 30 / 20 breakdownSee how your spending splits across needs, wants and savings. | — | ✓ |
| Expense distributionWhere every dollar goes, ranked, with your top category surfaced. | — | ✓ |
| No-spend challengeTrack no-spend days and tally what you kept. | — | ✓ |
| Wealth & goals — Complete only | ||
| Net-worth trackerAssets minus liabilities, with a 12-month trend. | — | ✓ |
| Savings goals & Financial IndependenceYour FI number, years-to-go, and a path-to-FI projection. | — | ✓ |
| Investment forecastConservative / expected / optimistic growth over the years. | — | ✓ |
| Insurance trackerPremiums, coverage, renewal dates and status in one place. | — | ✓ |
| Account directoryEvery account, login, contact and beneficiary for your records. | — | ✓ |
Which one is right for you?
Choose Core if you…
- Mainly want a monthly budget and a place to log spending
- Prefer the simplest possible setup, with less to take in
- Don’t need debt, loan, or net-worth tools just yet
- Want the everyday essentials, and nothing more
Choose Complete if you…
- Want to plan ahead, not only track the past
- Are paying down debt, a mortgage, or a loan
- Want to watch your net worth and savings goals grow
- Like having your whole financial life in one file
You can move up whenever you’re ready.
Complete is the same familiar layout with every tab switched on — so the setup you already know carries straight over. Start simple, and grow into the full picture when the time feels right. There’s no wrong place to begin.
Whichever you pick, it’s a one-time purchase that’s yours to keep — no app, no subscription, no bank login, ever.