Simple budgeting and debt-payoff spreadsheets that actually get used — built around how you really get paid, not a perfect salary.
Not ready to buy? Grab the free one-page Paycheck Starter →
Works in Google Sheets & Excel · Instant download · No spreadsheet skills needed
Give every dollar a job the moment it lands — and watch your real debt-free date move as you go.
Instant download · Google Sheets & Excel · Secure checkout
Every part talks to the dashboard, so the moment you log something, the big picture updates itself.
No jargon, no guilt — just calm, practical tools you'll actually keep using.
Biweekly, weekly, two incomes, a side gig — it plans around the way money actually arrives.
Watch the exact month you'll be free, and how much interest each payoff strategy saves you.
You only ever type in the shaded cells. It arrives pre-filled so you can see exactly how it works.
Make a copy in Google Sheets, or open the Excel file — both are included.
Add your paychecks, bills, categories, and debts on the Setup tab.
Log your spending and the dashboard — and your debt-free date — update live.
“Most budgets are built for a perfect salary nobody actually has. We build the one that fits real paychecks, real bills, and real life — calm, clear, and yours in five minutes.”
Both are included. Open the Google Sheets version free in your browser — just “Make a copy” — or use the Excel file, whichever you prefer. It works on your laptop or your phone.
Not at all. You only ever type in the shaded cells — every formula, total, and chart is already built. It even arrives pre-filled with an example so you can see exactly how it works before you make it yours.
It’s an instant digital download, delivered the moment you check out on Etsy. Nothing ships, and you can re-download it any time.
Yes — that’s the whole point. It’s built around the way money actually arrives, not one steady salary, so every dollar gets a job the day it lands.
Message us and we’ll make it right. Email [email protected] any time.
Focused little spreadsheets that each do one job brilliantly — instant download, Google Sheets & Excel.
A simple one-page budget for your very next paycheck — yours free. Pop in your email and it's instantly yours, plus the occasional money tip and first dibs on new templates. No spam, ever.
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