Your whole money plan. One download.
Budget the month, match bills to paydays, pay off debt, grow your savings, and check what's safe to spend every day.
- 4 planners for Google Sheets and Excel
- 3 money apps for your computer: Safe to Spend, Debt Payoff and Savings Goals
- No formulas to write, no bank login, no subscription
Budget Planner
A monthly dashboard with income, spending, savings and what's left. Budget vs. actual for every category with over-budget alerts, a 50/30/20 breakdown, an annual overview, a bill tracker and savings goals.
Paycheck Budget Planner
Every bill matched to the paycheck that pays it. Weekly, biweekly or monthly pay, and short paychecks flagged in red before they happen.
Get all 7 for $14.99 →Debt Payoff Planner
Enter your debts once. See your debt-free date, the interest you save and which debt to pay first, comparing snowball, avalanche and your own order.
Savings Tracker
Up to 20 sinking funds with how much to save each month and an on-track status, a deposit log, 52-week and 100-envelope challenges and an emergency fund calculator.
Safe to Spend Budget App
One number: what you can safely spend until your next payday, after bills and savings. A single file made for computers that works offline in your browser. No bank login, no subscription.
Debt Payoff App
Snowball, avalanche or your own order. See the payoff date of every debt, your debt-free month and the interest you save, then log payments and watch the balances fall. A single file made for computers that works offline in your browser. No bank login, no subscription.
Savings Goals App
Goals and sinking funds with exactly what to save per month, week or paycheck and an on-track status. Log deposits and withdrawals, tick off the 52-week and 100-envelope challenges and size your emergency fund. A single file made for computers that works offline in your browser. No bank login, no subscription.
How they work together
Each tool does one job. Together they cover every dollar.
Plan the month
Budget every category, then match each bill to the paycheck that pays it.
Put the extra to work
Send what's left to debt with the Debt Payoff Planner or App, or to goals with the Savings Tracker or App.
Check it daily
Open the Safe to Spend app and see one number: what you can spend until payday.
What you get
One purchase, seven products in your Gumroad library.
Questions
What do I get after checkout?
All 7 products in your Gumroad library: a PDF with a copy link and Excel files (blank and with sample data) for each planner, and the three app files with quick-start guides.
Google Sheets or Excel?
Both. Every planner comes as a Google Sheets copy link (free Google account) and as an Excel file (.xlsx). Not for Apple Numbers.
How do the apps work?
Each app is one HTML file, made for computers. Open it in Chrome, Edge, Safari or Firefox on Windows, Mac or Chromebook and it works offline. Your data stays in your browser, with backup and restore.
Does it work on my phone?
The four planners do: they work in the Google Sheets app on your phone or tablet, and setup is easiest on a computer. The three apps are made for computers.
Do I need to connect my bank?
No. You type your numbers. Nothing is linked and there's no subscription.
Is this financial advice?
No. They are planning tools that do the math with your numbers.
Everything for your money, in one place
4 planners and 3 money apps, instant download, for less than a quarter of the price.
Get the bundle for $14.99$61.93 separately