Annual Budget Tracker
The full-year budget: plan the year once, track it month by month.
$29 one-time
Spreadsheets, checked by hand
Trackers that do the math — in Sheets and Excel, checked by hand, priced once.
Every tracker here is one workbook that works in both Google Sheets and Microsoft Excel. No app, no account, no monthly fee. You pay once, download the files, and type only in the pale cells — the formulas are locked and every number on these pages was recomputed by an independent check before the files shipped.
Free: the One-Page Budget Starter
One page. Money in, money out, what is left — and the savings rate worked out for you. Free, no email needed: the files are a direct download.
The money shelf
Debt Payoff Tracker
Snowball vs avalanche, side by side, with your real debt-free dates.
$19 one-time
Paycheck Budget Tracker
Every bill assigned to the paycheck that has to cover it.
$19 one-time
Net Worth & Savings Tracker
One number, watched monthly: what you own minus what you owe.
$19 one-time
The host & rental shelf
Airbnb Host Tracker
What each booking really paid you, after Airbnb's fee and your costs.
$29 one-time
Rental Property Tracker
Rent in, expenses out, and a tax summary shaped like Schedule E.
$29 one-time
The Sold Ledger
The reseller profit & fee tracker: what each sale really made you after marketplace fees, shipping, and cost.
$39 one-time
Sold on its own site, thesoldledger.com — linked here because it belongs on this shelf.
Two ways to save
The Money System — $49
All four money trackers together: Annual Budget, Debt Payoff, Paycheck Budget, and Net Worth & Savings. Bought separately they are $86.
The All-Hub Bundle — $79
All six trackers: the four money trackers plus the Airbnb Host Tracker and the Rental Property Tracker. Bought separately they are $144.
Start free
One-Page Budget Starter
One page: money in, money out, what is left. The whole budget on a single screen.
Free
Guides, in plain words
- Debt snowball vs avalanche — one worked example, both finish lines
- Airbnb host fees 2026 — the split fee and the host-only fee, dated and sourced
- Rental expenses for taxes — the Schedule E categories, walked through
- Paycheck budgeting — budgeting by the check, not the month
- Google Sheets vs Excel — which one to open, and why these files work in both
Quick questions
Sheets or Excel — which do I open?
Either. Every tracker ships in both formats and both copies do the same math. See the full FAQ.
Is there a monthly fee?
No. Every price here is a one-time payment. The files are yours to keep.