Type in the yellow cells. The rest is already worked out.

Seven spreadsheets for Excel and Google Sheets, one for each money job: a monthly budget, paying off debt, savings goals, subscriptions, self-employed expenses, the holidays and a wedding. US$4.99 to US$9.99, a one-time download you keep.

See the seven sheets Plan one savings goal free

B6=ROUND(MAX(0, B3 - B4) / B5, 2)

Savings goal example: type a target or an amount saved and the monthly and per-payday figures update.
	A	B
1	Hockey, two kids
2	Due	1 Sep 2027
3	Target	1,840.00
4	Saved so far	300.00
5	Months left	10
6	Per month	154.00
7	Paydays left	21
8	Per payday	73.33

Sample: hockey for two kids, 920 each, due 1 Sep 2027, paid every 2 weeks.

Worked out for 11 Nov 2026.

Log 250 for the summer trip.

A made-up household's sheet on 20 Jan 2027. One row on the Log sheet: the date, the goal, the amount. It is the only thing they type.

	A	B	C	D
1	Date	Goal	Set aside	Taken out

12	20 Jan 2027	Summer trip	250.00
13

Row 49 is the trip.

Before the log, it needs 283.33 a month and it is behind.

	A	B	C	D	E	F	G	H	I	J
1	Savings goals
3	Today's date	20 Jan 2027
4	How often you are paid	Every 2 weeks
7	All goals	Target		Saved	Left	Per month	Per payday	Done %
8	All of them	10,750.00		3,921.00	6,829.00	892.43	452.01	36.5%

46	Goal	Target	Target date	Saved	Left	Per month	Per payday	Done %	Progress	Status
47	Emergency fund	3,000.00	31 Dec 2027	1,206.00	1,794.00	163.09	74.75	40.2%	██████████	On track
48	Car insurance	1,450.00	10 Jun 2027	700.00	750.00	150.00	75.00	48.3%	██████████	On track
49	Summer trip	2,500.00	1 Jul 2027	800.00	1,700.00	283.33	154.55	32.0%	██████████	Behind
50	Christmas 2027	900.00	1 Dec 2027	75.00	825.00	75.00	37.50	8.3%	██████████	On track
51	New laptop	1,100.00	1 Sep 2027	250.00	850.00	106.25	53.13	22.7%	██████████	No start date
52	Car repairs	800.00	31 Oct 2027	320.00	480.00	53.33	24.00	40.0%	██████████	Behind
53	Dentist	400.00	15 Jan 2027	400.00	0.00			100.0%	██████████	Reached
54	Pet care	600.00	1 Aug 2027	170.00	430.00	61.43	33.08	28.3%	██████████	On track

The sheet works it out again.

The trip now needs 241.67 a month, not 283.33, and it is back on track.

	Summer trip	row 49
D49	Saved	800.001,050.00
F49	Per month	283.33241.67
J49	Status	BehindOn track

Every total moves with it.

Saved, all goals, goes from 3,921.00 to 4,171.00.

	A	B	C	D	E	F	G	H	I	J
1	Savings goals
3	Today's date	20 Jan 2027
4	How often you are paid	Every 2 weeks
7	All goals	Target		Saved	Left	Per month	Per payday	Done %
8	All of them	10,750.00		3,921.004,171.00	6,579.00	850.77	429.28	38.8%

46	Goal	Target	Target date	Saved	Left	Per month	Per payday	Done %	Progress	Status
47	Emergency fund	3,000.00	31 Dec 2027	1,206.00	1,794.00	163.09	74.75	40.2%	██████████	On track
48	Car insurance	1,450.00	10 Jun 2027	700.00	750.00	150.00	75.00	48.3%	██████████	On track
49	Summer trip	2,500.00	1 Jul 2027	800.001,050.00	1,700.001,450.00	283.33241.67	154.55131.82	32.0%42.0%	████████████████████	BehindOn track
50	Christmas 2027	900.00	1 Dec 2027	75.00	825.00	75.00	37.50	8.3%	██████████	On track
51	New laptop	1,100.00	1 Sep 2027	250.00	850.00	106.25	53.13	22.7%	██████████	No start date
52	Car repairs	800.00	31 Oct 2027	320.00	480.00	53.33	24.00	40.0%	██████████	Behind
53	Dentist	400.00	15 Jan 2027	400.00	0.00			100.0%	██████████	Reached
54	Pet care	600.00	1 Aug 2027	170.00	430.00	61.43	33.08	28.3%	██████████	On track

Seven workbooks. One money job each.

Yellow cells for you, the working already written. See all seven.

Budget Workbook35.7%Savings rate, Jan to Jun
Debt Payoff PlanApr 2030Debt-free, snowball order
Savings Goals & Sinking Funds4,171.00Saved, all 8 goals
Subscription Tracker623.88Marked Cancel, per year
Expense & Mileage Log8,686.49Income minus expenses
Holiday Budget306.03Left to spend
Wedding Budget143Days to the wedding

The seven sheets

Each is one .xlsx file: open it in Excel, or upload it to Google Sheets. The outlined cell in each row is a real cell from that sheet, filled with its made-up sample data. For now they sell on Etsy, which handles checkout and the download.

Budget Workbook
Paste your bank's CSV export. Your own rules sort every row, and each month adds itself up against your budget.
7 sheets · Checked: Google Sheets and Excel for the web, by hand
Dashboard!B20Savings rate, Jan to Jun
35.7%Income 29,400.00, spending 18,916.19
US$7.99
one time, yours to keep
Buy on Etsy
Debt Payoff Plan
List up to 12 debts. Compare snowball, avalanche and your own order against minimums only: months, interest and total paid, side by side.
10 sheets · Checked: Google Sheets 75/75, Excel for the web 75/75
Plan!C15Debt-free, snowball order
Apr 2030Minimums only: Jul 2036
US$5.99
one time, yours to keep
Buy on Etsy Free tool: Debt snowball vs avalanche
Savings Goals & Sinking Funds
Up to 40 goals. What to set aside per month and per payday for each, which ones are behind, and an optional 52-week challenge.
5 sheets · Checked: Google Sheets 56/56, Excel for the web 56/56
Dashboard!D8Saved, all 8 goals
3,921.00of 10,750.00, 36.5% done
US$4.99
one time, yours to keep
Buy on Etsy Try it free, live Free tool: Savings per paycheck
Subscription Tracker
Paste a year of bank transactions. See which charges look like they repeat, what each costs per year, and the date to cancel by.
5 sheets · Checked: Google Sheets 49/49, Excel for the web 49/49
Dashboard!C10Marked Cancel, per year
623.882 subscriptions, 51.99 a month
US$5.99
one time, yours to keep
Buy on Etsy
Expense & Mileage Log
For the self-employed: paste your bank CSV, about 85 starter rules sort it, and a mileage log sits beside it. Totals by category and month.
9 sheets · Checked: Google Sheets 62/62, Excel for the web 62/62
Summary!B26Income minus expenses
8,686.49143 bank rows sorted
US$7.99
one time, yours to keep
Buy on Etsy Free tool: CRA mileage rate 2026
Holiday Budget
A budget per person and per kind of spending, every gift bought, wrapped or mailed, and the date to order by.
5 sheets · Checked: Google Sheets and Excel for the web, by hand
Dashboard!E9Left to spend
306.03of 1,700.00, with 300.00 still to buy
US$4.99
one time, yours to keep
Buy on Etsy
Wedding Budget
Every vendor's quote, deposit and balance owed, the next payments due, and a guest count that moves every per-head cost.
6 sheets · Checked: Google Sheets 60/60, Excel for the web 60/60
Dashboard!B12Days to the wedding
14323,491.50 still owed to vendors
US$9.99
one time, yours to keep
Buy on Etsy

No reviews yet. Here is what we check instead.

Before a sheet is listed, its figures are worked out a second way and compared. Then the real file is opened in Google Sheets and in Excel for the web, and pinned cells must show the expected numbers.

Pinned cells that matched, by program
Sheet	Google Sheets	Excel for the web
Budget Workbook	by hand	by hand
Debt Payoff Plan	75 of 75	75 of 75
Savings Goals & Sinking Funds	56 of 56	56 of 56
Subscription Tracker	49 of 49	49 of 49
Expense & Mileage Log	62 of 62	62 of 62
Holiday Budget	by hand	by hand
Wedding Budget	60 of 60	60 of 60
Five sheets checked by script	302 of 302	302 of 302

Type in the yellow cells. The rest is already worked out.

Log 250 for the summer trip.

The sheet works it out again.

Every total moves with it.

Seven workbooks. One money job each.

The seven sheets

Budget Workbook

Debt Payoff Plan

Savings Goals & Sinking Funds

Subscription Tracker

Expense & Mileage Log

Holiday Budget

Wedding Budget

No reviews yet. Here is what we check instead.