A payday tracker for your budget, bills, sinking funds, and net worth. Open it when you get paid, fill it in for 15 minutes, and see what is actually left.

You get four working sheets you can copy into Google Sheets or Excel:

1. Monthly budget with income, bills, and leftover
2. Bills calendar so due dates stop surprising you
3. Sinking funds so car repairs and holidays are already saved
4. Net worth so you can see the trend, not just this month

Built for people who are tired of guessing. No finance degree, no 40-tab spreadsheet.