A low-overwhelm personal budget workbook for Excel and Google Sheets. Log your own income, spending, bills, debt, sinking funds, and net worth in one organized file—then use the built-in views to see the numbers you entered more clearly.

Inside:

• A filled Example tab so you can see the workflow before entering your own data

• Setup, monthly budget, spending log, bills and subscriptions, debt payoff, sinking funds, net worth, and annual overview tabs

• Locked formula cells and clearly marked input cells to reduce accidental edits

• A Quick-Start Guide with a five-minute setup path

• Undated structure you can reuse for your own months

Best for someone who wants a calmer place to record and review personal numbers without a complicated finance system. It does not tell you what to buy, save, borrow, invest, or do; it simply organizes your entries.

Not financial, tax, investment, credit, or legal advice. No savings, debt, income, or investment outcome is promised. Check decisions with a qualified professional when appropriate.

One-time purchase includes buyer-only access for 365 days and product-use support for 30 days. Personal use for one household; no resale or redistribution.