Your money, finally organized.
Two ready-to-use personal finance trackers, built in a plain spreadsheet. Pick the level of detail you want, download it once, and it’s yours forever — no app, no subscription, no bank login.
What’s in each one
Both are the same honest spreadsheet. Core is the everyday essentials; Complete adds every planning, forecasting and net-worth tab.
| Feature | Core | Complete |
|---|---|---|
| In both editions | ||
| Monthly budget vs. actual | ✓ | ✓ |
| Income & automatic paychecks | ✓ | ✓ |
| Recurring bills | ✓ | ✓ |
| Everyday spending | ✓ | ✓ |
| Subscriptions | ✓ | ✓ |
| Bank account balances | ✓ | ✓ |
| Annual totals | ✓ | ✓ |
| Dashboard | ✓streamlined | ✓full |
| Complete only | ||
| Bill calendar & cash-flow forecast | — | ✓ |
| Bank reconciliation | — | ✓ |
| Debt payoff & four loan trackers | — | ✓ |
| Sinking funds, trip planner & savings goals | — | ✓ |
| Net worth, investments & Financial Independence | — | ✓ |
| Insurance & account directory | — | ✓ |
| 50 / 30 / 20, expense insights & no-spend | — | ✓ |
| Number of tabs | 11 | 29 |
Two editions, one honest spreadsheet.
Start light or go all-in. Both are the same trustworthy workbook — Core is simply the essentials, Complete adds every tab you could want.
Watch the whole dashboard fill in.
A quick walkthrough — from a handful of entries to a complete picture of your money, in minutes.
No sound needed — just watch it come together.
The full 29-tab workbook — everything you need to run your whole financial life in one file, with the math done for you.
Monthly & annual budgets
Every account & balance in one place
Debt payoff planner
Savings & sinking-fund goals
Net-worth history
Subscriptions & bill tracker
A slimmed-down version of Complete. The essentials only — everything you need to start tracking, nothing extra to learn.
Monthly budget
Account balances
Savings goals
Up and running in three steps.
Buy & download
Purchase the edition you want and download the file instantly. It’s yours to keep — no account required.
Open it your way
Works in Microsoft Excel or Google Sheets. Make a copy, and you’re looking at your own private workbook.
Fill in your numbers
Type in your accounts and bills once. The workbook does the math and updates every summary automatically.
Good questions
Do I need special software?
No. Any recent Microsoft Excel works, and it opens free in Google Sheets — just make a copy to your own Drive.
Is it a subscription?
Never. You pay once and the file is yours to keep and reuse for as many years as you like.
Does it connect to my bank?
No — and that’s the point. Nothing links to your accounts and no data leaves your computer. You enter what you want to track.
Can I upgrade later?
Yes. Start with Core, and if you want the full picture you can move up to Complete whenever you’re ready.
Have a Question?
Send us a note and we’ll figure things out together.