Stop guessing where your money goes.
A calm, all-in-one Excel planner for 50/30/20 budgeting, debt payoff, savings projections, and multi-currency tracking — designed for people who don't want to be spreadsheet people.
The quiet math
The hidden cost of not tracking your finances
Not tracking isn't free. It has a price — it's just spread out and easy to miss. Here's what it usually costs.
$219 / year
Forgotten subscriptions
The average person quietly leaks over $200 a year on services they stopped using months ago.
5+ years
Longer time in debt
Paying minimums without a payoff strategy can stretch consumer debt for half a decade longer than it needs to.
0 months
Savings runway visibility
Most people can't answer how many months they could cover if income stopped tomorrow. That's a stressful blind spot.
Every payday
Decision fatigue
Without a system, every paycheck becomes another round of guessing, negotiating with yourself, and moving on.
None of this needs an app, a subscription, or a finance degree. It needs a simple system you'll actually open. That's what the planner is.
A quick tour
See exactly what you're getting
A short walkthrough of the whole planner — no hype, no upsells, just what the sheets actually do.
- Automatic 50/30/20 split (with a custom split option)
- Avalanche & snowball debt payoff engine
- 12-month savings projection with scenarios
- Emergency fund runway tracker
- Net worth tracking
- Support for 8 currencies out of the box (USD, EUR, GBP, CAD, AUD, JPY, INR, SGD)
- Free bonus: The Weekly Reset — a 7-day system e-book to get your life together
What's inside
Everything you need. Nothing you don't.
Automatic budget splitting
Enter your income once. Your needs, wants, and savings buckets fill themselves — or set a custom split.
Debt payoff engine
Toggle between avalanche and snowball, see your real payoff date, and watch interest evaporate.
Emergency fund runway
Know exactly how many months you can cover if income stopped tomorrow — updated every entry.
Savings projections
Model raises, rent hikes, and side income to see how your net worth curves over the next 12 months.
Multi-currency
USD, EUR, GBP, CAD, AUD, JPY, INR, SGD — switch with a dropdown, no formula edits required.
Net worth tracking
Track assets and liabilities in one place and watch your net worth grow month over month.
One planner. One clear picture of your money.
No apps to babysit. No subscriptions. Just the system you'll actually use.
One planner. One clear picture of your money.
No apps to babysit. No subscriptions. Just the system you'll actually use.