Google Sheets and Excel · version 1.0
Budget Starter Bundle
4 money sheets in one download. Plan, track, pay off debt, save.
The Monthly Budget Planner, the Expense Tracker, the Debt Payoff Planner and the Savings Tracker. The same 4 sheets we sell one by one, for less: $8.92 one by one, $6.98 here.
Pay on Etsy. Download right after you pay.
- Works on your phone with the free Google Sheets app
- Also Microsoft Excel 2010 or newer
- Something not working? Tell us and we fix it
Where to start
- 1
MONTHLY BUDGET PLANNER
Start here. Type your pay, your bills and what you plan to spend and save.
first, about 10 minutes
- 2
EXPENSE TRACKER
One line each time you spend. See where the money went, by month and by year.
20 seconds a line
- 3
DEBT PAYOFF + SAVINGS
Once a month: what to pay on each debt, and how much to put aside for each goal.
a few minutes a month
Use one, two or all four. Each sheet is its own file, so you can start with just one.
The 4 sheets inside
Each one is the full sheet we sell on its own, with its own guide. Tap a sheet to see every tab.
1 of 4 · $0.98 alone
Monthly Budget Planner
Know what is left over. Every month.
See this sheet →
2 of 4 · $1.98 alone
Expense Tracker
Where does the money go? Type each expense once.
See this sheet →
3 of 4 · $3.98 alone
Debt Payoff Planner
See the day you are debt free.
See this sheet →
4 of 4 · $1.98 alone
Savings Tracker
Save for every goal. Know if you are on track.
See this sheet →One by one: $8.92. In this bundle: $6.98. You save $1.94 (22%).
See it
What's inside: 4 sheets
- MONTHLY BUDGET PLANNER
- Money in, bills with due days, spending and savings, planned and actual. It tells you what is left over this month. Light and dark.
- EXPENSE TRACKER
- An expense log, a summary for any month and a view of the whole year. Comes with an example file.
- DEBT PAYOFF PLANNER
- Snowball or avalanche. What to pay on each debt this month, where the extra goes and your debt-free date. Light and dark.
- SAVINGS TRACKER
- Up to 10 goals, how much to save each month for each date, On track or Behind, and a 52-week challenge. Light and dark.
Made to be easy
- The same rules in all 4 sheets, so you learn them once.
- You type only in the yellow boxes. White boxes do the math.
- Example numbers are filled in. Type yours over them.
- Orange "Check" words catch typos, like letters in a money box.
- Works on your phone with the free Google Sheets app.
What the 4 sheets do
- What is left over this month
- Where your money went, by category and by month
- Your debt-free date, snowball or avalanche
- How much to save each month for each goal
- Light and dark versions where they exist (the Expense Tracker has one look)
What you get
- Quick Start Guide (PDF)All the buttons to make your own Google Sheets copies, and where to start
- Excel files (ZIP)4 folders, one for each sheet. Each folder has the Excel files and that sheet's own guide
Works on
- Google Sheets (free), on your phone or computer. The guide has buttons to make your own copies.
- Microsoft Excel 2010 or newer.
- No macros. No add-ons. No account with us.
What it does not do
- No bank connection. You type your own numbers.
- Not the free 50/30/20 Budget Starter we send by email. That is a separate one-tab sheet.
- Not financial advice. It shows the math of your plan.
Ready to set up your money in one go?
$6.98. One time, for all 4 sheets. Download right after you pay. Open the guide, make your copies, start with the Monthly Budget Planner.
Questions people ask
How do I get the files?
This is a digital download. Nothing is shipped. After you pay on Etsy, download the files from your Etsy account (Purchases). Open the PDF guide first. To open the ZIP on a computer: right-click, then Extract All.
Are these the same sheets you sell one by one?
Yes. Same files, same guides, same tests. The bundle just costs less: $6.98 instead of $8.92.
Is this the free 50/30/20 Budget Starter?
No. The free 50/30/20 Budget Starter is a one-tab sheet we send by email when you sign up on our free sheet page. The Budget Starter Bundle is 4 full sheets you buy on Etsy. The free sheet is not in the bundle.
I already have one of the 4 sheets. Should I buy the bundle?
Only if you want the other three. If you need just one or two more, buying them one by one may cost less. Add up the prices first.
Does it work on my phone?
Yes. Use the free Google Sheets app. The guide has buttons to make your own copy of each sheet. It also works in Microsoft Excel 2010 or newer.
Something is not working. What do I do?
Send us a message on Etsy. We answer and fix it. If we can't, we review your case for a refund.
Good to know
- The numbers in each sheet are examples. Type yours over them.
- Each sheet is its own file. They do not link to each other.
- These are planning tools. They are not tax, legal or financial advice.
- Single-user license: for you and your home. Please do not resell or share the files.
- We design every spreadsheet. We use AI tools to help write and test some formulas and text. Every formula is tested before sale.