Your whole money life, in one spreadsheet.
Budget, debt payoff, savings goals, and net worth, all connected and all automatic. Paste your bank export and it sorts itself. Built in Google Sheets and Excel by the people behind the free calculators you already trust.
- ✓ Google Sheets + Excel
- ✓ Lifetime updates
- ✓ 14-day refund
One connected system, from paycheck to net worth
Paste your bank export, done
Export your bank or card statement as a CSV, paste it in, and the Toolkit auto-sorts every transaction into categories using rules you control. No more typing each one by hand.
A dashboard that updates itself
Log spending once and every category, total, and "left to spend" number recalculates. Real charts built into the sheet, not screenshots, so your money picture is always current.
Rollover budgeting that really rolls over
Give each category a monthly amount. Whatever you do not spend carries into next month automatically, so a lean month funds a bigger one later.
A true snowball or avalanche plan
Enter your debts, flip one switch, and get a real month-by-month payoff plan: your debt-free date, total interest, and which debt to attack next.
Never get surprised by a bill
Track every recurring cost normalized to monthly and yearly, see them on a due-day calendar, and let the subscription audit surface the quiet leaks.
Watch your net worth climb
Log your accounts once a month and see the trend line rise, with month-over-month change front and center.
Everything you get
- Auto-categorizing transaction log (paste your bank CSV)
- Self-updating monthly budget and dashboard
- Rollover "envelope" budgeting
- True snowball or avalanche debt payoff plan
- Sinking funds and savings-goal tracker
- Net-worth tracker with a trend chart
- Bills, subscription audit, and due-day calendar
- 12-month overview with charts
- Works in Google Sheets AND Excel
- Step-by-step setup guide
- Free lifetime updates
No subscription. Buy once, keep it forever, including every future update.
Get instant access →14-day money-back guarantee. If it's not for you, we'll refund you.
Questions, answered
Do I need Excel?
No. The Toolkit works in free Google Sheets and in Microsoft Excel. Use whichever you already have — the download includes both.
How do I get it after buying?
You get an instant download link the moment you check out, plus a copy by email. For Google Sheets, you click one link to save your own private copy.
Is my data private?
Completely. The Toolkit is your own spreadsheet in your own account. Nothing you type is ever sent to us or anyone else.
What if it is not for me?
If it does not click within 14 days, email us and we will refund you. No hard feelings.