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Trusted by 76,000+ customers worldwide. Rated 4.8 stars across 5,000+ reviews.
You Are Not Bad At Budgeting. You Have Just Been Starting From A Blank Spreadsheet Every Time.
Set it up once. Use it all year.
Most budgets fail for one reason. You are asked to build the spreadsheet and live by it at the same time, and that is two hard jobs at once. The Ultimate Budget System takes the first one off your plate. It is already built, already tested by 76,000+ people, and it thinks a full year ahead, so you are not re-entering the same bills every month and quietly giving up by February.
Finally, A Budget That Does Not Fail You By Month 2
This is not just another budget template. It is your whole financial life on autopilot.
✨ SET IT ONCE. USE IT FOREVER.
- Recurring transactions? Set them up ONCE and watch 12 months populate automatically.
- Bills, paychecks, subscriptions, everything flows exactly where it needs to go.
- No more "forgetting" to update your budget every month.
🏠 WORKS FOR YOUR MESSY, REAL LIFE
- Got an unexpected expense? The manual log handles it instantly.
- Irregular income? The system adapts.
- Want to hide tabs you do not need? Done in one click.
🎬 See The Ultimate Budget System In Action
Want to see exactly how it works before you buy? Here is a full walkthrough of the Ultimate Budget System, every tab in action, so you know precisely what you are getting.
28 Complete Financial Systems In One Beautiful Dark Mode Template
The Setup & Transaction Log
- Setup Tab - Do this once. Get started in minutes with clear instructions.
- Accounts Tracker - Track all of your bank accounts in one view.
- Payment Schedule - Mark bills as paid, see what is coming.
- Manual Log - Quick entry for one-off expenses.
The Smart Calendar
- Your income and bills automatically shown in a calendar view.
- See your daily and weekly balance automatically calculated in this calendar.
The Monthly Insights
- 12 Monthly Dashboards - Each month automatically populated.
- Weekly Variable Expenses - Track your flexible spending.
- Paycheck Dashboard - Perfect for bi-weekly or irregular income.
The Big Picture
- Annual Dashboard + Breakdown - See your year at a glance.
- Quarterly Dashboard - Track seasonal patterns.
- 50/30/20 Dashboard - Follow the proven budgeting rule.
- Net Worth Tracker - Watch your wealth grow over time.
The Debt Freedom Tools
- Debt Snowball Method - Pay off smallest balances first.
- Debt Avalanche Method - Tackle highest interest rates.
- Debt Custom Method - Full flexibility to pay off debts your way.
- Credit Score Focus - Improve your borrowing power.
More Features
- Sinking Funds and Savings - Track all of your savings easily in one sheet.
- Bills Review Calculator - Find money you did not know you had.
- And more.
💬 You Are Not On Your Own With This
Every JRen spreadsheet comes with a full walkthrough video, and if you get stuck, you message Ren directly. Not a chatbot, not a ticket that vanishes into a void. Personal, fast help from the person who built it is the thing customers mention most in their reviews, and it is the difference between a template you abandon and one you actually use.
🎁 EXCLUSIVE BONUS: Complete Budget Mastery Bundle (FREE With Your Order Today)
When you get the Ultimate Budget System today, you also receive our complete Budget Mastery Bundle, normally sold separately for $91.
- ✅ 30-Day Emergency Fund Challenge ($27 value)
- ✅ Sinking Funds Quick-Start Guide ($17 value)
- ✅ Debt Payoff Cheat Sheet ($17 value)
- ✅ Bills Audit Worksheet ($15 value)
- ✅ Net Worth Quick-Start Guide ($15 value)
Total Value: $138. Your Price Today: $37 (73% off).
🎯 Why This Works When Other Systems Fail
- It is built for real life, not a perfect month. Bills land late, paydays move, life surprises you, and the system absorbs it without breaking.
- It is one file, not a stack of apps. Your budget, debt, savings, calendar and net worth all in one place, so a decision in one area shows up in the others instantly.
- It rewards you for showing up. Dashboards update the moment you enter a number, so you see progress the same day you make it.
- You own it forever. One-time purchase, no monthly subscription, no data on someone else's server.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy to your Google Sheets or open in Excel.
- Follow the Setup tab. Clear, step-by-step instructions.
- Enter your numbers. The rest of the system auto-populates around them.
Works on Google Sheets and Excel, on any device.
Sleek dark mode palette designed to be easy on the eyes and a pleasure to open every week.
New to budgeting in Google Sheets? Start with our free guide to building a budget on Google Sheets, then come back when you want the whole year automated.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email me and I will refund you in full.
All I ask is that you show me you gave it a real go. Send a quick screenshot of your setup and tell me what did not work. No hard feelings.
Trusted by 76,000+ customers worldwide
Tired Of Starting Your Budget Over Every Single Month?
Set it up once. Use it all year.
What if you could set up your budget ONCE and have it work for an entire year? While everyone else is stuck re-entering the same bills, paychecks, and expenses every month (then giving up by February), you get a system that thinks ahead for you.
Finally, A Budget That Does Not Fail You By Month 2
This is not just another budget template. It is financial freedom on autopilot.
✨ SET IT ONCE. USE IT FOREVER.
- Recurring transactions? Set them up ONCE and watch 12 months populate automatically.
- Bills, paychecks, subscriptions, everything flows exactly where it needs to go.
- No more "forgetting" to update your budget every month.
🏠 WORKS FOR YOUR MESSY, REAL LIFE
- Got an unexpected expense? The manual log handles it instantly.
- Irregular income? The system adapts.
- Want to hide tabs you do not need? Done in one click.
🎬 See The Ultimate Budget System In Action
Want to see exactly how it works before you buy? Here is a full walkthrough of the Ultimate Budget System, every tab in action, so you know precisely what you are getting.
28 Complete Financial Systems In One Beautiful Teal Green Template
The Setup & Transaction Log
- Setup Tab - Do this once. Get started in minutes with clear instructions.
- Accounts Tracker - Track all of your bank accounts in one view.
- Payment Schedule - Mark bills as paid, see what is coming.
- Manual Log - Quick entry for one-off expenses.
The Smart Calendar
- Your income and bills automatically shown in a calendar view.
- See your daily and weekly balance automatically calculated in this calendar.
The Monthly Insights
- 12 Monthly Dashboards - Each month automatically populated.
- Weekly Variable Expenses - Track your flexible spending.
- Paycheck Dashboard - Perfect for bi-weekly or irregular income.
The Big Picture
- Annual Dashboard + Breakdown - See your year at a glance.
- Quarterly Dashboard - Track seasonal patterns.
- 50/30/20 Dashboard - Follow the proven budgeting rule.
- Net Worth Tracker - Watch your wealth grow over time.
The Debt Freedom Tools
- Debt Snowball Method - Pay off smallest balances first.
- Debt Avalanche Method - Tackle highest interest rates.
- Debt Custom Method - Full flexibility to pay off debts your way.
- Credit Score Focus - Improve your borrowing power.
More Features
- Sinking Funds and Savings - Track all of your savings easily in one sheet.
- Bills Review Calculator - Find money you did not know you had.
- And more.
🎁 EXCLUSIVE BONUS: Complete Budget Mastery Bundle (FREE With Your Order Today)
When you get the Ultimate Budget System today, you also receive our complete Budget Mastery Bundle, normally sold separately for $91.
- ✅ 30-Day Emergency Fund Challenge ($27 value)
- ✅ Sinking Funds Quick-Start Guide ($17 value)
- ✅ Debt Payoff Cheat Sheet ($17 value)
- ✅ Bills Audit Worksheet ($15 value)
- ✅ Net Worth Quick-Start Guide ($15 value)
Total Value: $138. Your Price Today: $37 (73% off).
🎯 Why This Works When Other Systems Fail
- It is built for real life, not a perfect month. Bills land late, paydays move, kids surprise you, the system absorbs it without breaking.
- It is one file, not a stack of apps. Your budget, debt, savings, calendar and net worth all in one place, so a decision in one area shows up in the others instantly.
- It rewards you for showing up. Dashboards update the moment you enter a number, so you see progress the same day you make it.
- You own it forever. One-time purchase, no monthly subscription, no data on someone else's server.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy to your Google Sheets or open in Excel.
- Follow the Setup tab. Clear, step-by-step instructions.
- Enter your numbers. The rest of the system auto-populates around them.
Works on Google Sheets and Excel, on any device.
Calm teal green palette designed to be easy on the eyes and a pleasure to open every week.
New to budgeting in Google Sheets? Start with our free guide to building a budget on Google Sheets, then come back when you want the whole year automated.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.
All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.
Trusted by 76,000+ customers worldwide
Tired Of Starting Your Budget Over Every Single Month?
Set it up once. Use it all year.
What if you could set up your budget ONCE and have it work for an entire year? While everyone else is stuck re-entering the same bills, paychecks, and expenses every month (then giving up by February), you get a system that thinks ahead for you.
Finally, A Budget That Does Not Fail You By Month 2
This is not just another budget template. It is financial freedom on autopilot.
✨ SET IT ONCE. USE IT FOREVER.
- Recurring transactions? Set them up ONCE and watch 12 months populate automatically.
- Bills, paychecks, subscriptions, everything flows exactly where it needs to go.
- No more "forgetting" to update your budget every month.
🏠 WORKS FOR YOUR MESSY, REAL LIFE
- Got an unexpected expense? The manual log handles it instantly.
- Irregular income? The system adapts.
- Want to hide tabs you do not need? Done in one click.
🎬 See The Ultimate Budget System In Action
Want to see exactly how it works before you buy? Here is a full walkthrough of the Ultimate Budget System, every tab in action, so you know precisely what you are getting.
28 Complete Financial Systems In One Beautiful Deep Purple Template
The Setup & Transaction Log
- Setup Tab - Do this once. Get started in minutes with clear instructions.
- Accounts Tracker - Track all of your bank accounts in one view.
- Payment Schedule - Mark bills as paid, see what is coming.
- Manual Log - Quick entry for one-off expenses.
The Smart Calendar
- Your income and bills automatically shown in a calendar view.
- See your daily and weekly balance automatically calculated in this calendar.
The Monthly Insights
- 12 Monthly Dashboards - Each month automatically populated.
- Weekly Variable Expenses - Track your flexible spending.
- Paycheck Dashboard - Perfect for bi-weekly or irregular income.
The Big Picture
- Annual Dashboard + Breakdown - See your year at a glance.
- Quarterly Dashboard - Track seasonal patterns.
- 50/30/20 Dashboard - Follow the proven budgeting rule.
- Net Worth Tracker - Watch your wealth grow over time.
The Debt Freedom Tools
- Debt Snowball Method - Pay off smallest balances first.
- Debt Avalanche Method - Tackle highest interest rates.
- Debt Custom Method - Full flexibility to pay off debts your way.
- Credit Score Focus - Improve your borrowing power.
More Features
- Sinking Funds and Savings - Track all of your savings easily in one sheet.
- Bills Review Calculator - Find money you did not know you had.
- And more.
🎁 EXCLUSIVE BONUS: Complete Budget Mastery Bundle (FREE With Your Order Today)
When you get the Ultimate Budget System today, you also receive our complete Budget Mastery Bundle, normally sold separately for $91.
- ✅ 30-Day Emergency Fund Challenge ($27 value)
- ✅ Sinking Funds Quick-Start Guide ($17 value)
- ✅ Debt Payoff Cheat Sheet ($17 value)
- ✅ Bills Audit Worksheet ($15 value)
- ✅ Net Worth Quick-Start Guide ($15 value)
Total Value: $138. Your Price Today: $37 (73% off).
🎯 Why This Works When Other Systems Fail
- It is built for real life, not a perfect month. Bills land late, paydays move, kids surprise you, the system absorbs it without breaking.
- It is one file, not a stack of apps. Your budget, debt, savings, calendar and net worth all in one place, so a decision in one area shows up in the others instantly.
- It rewards you for showing up. Dashboards update the moment you enter a number, so you see progress the same day you make it.
- You own it forever. One-time purchase, no monthly subscription, no data on someone else's server.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy to your Google Sheets or open in Excel.
- Follow the Setup tab. Clear, step-by-step instructions.
- Enter your numbers. The rest of the system auto-populates around them.
Works on Google Sheets and Excel, on any device.
Deep purple palette designed to be easy on the eyes and a pleasure to open every week.
New to budgeting in Google Sheets? Start with our free guide to building a budget on Google Sheets, then come back when you want the whole year automated.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.
All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.
Trusted by 76,000+ customers worldwide
Tired Of Starting Your Budget Over Every Single Month?
Set it up once. Use it all year.
What if you could set up your budget ONCE and have it work for an entire year? While everyone else is stuck re-entering the same bills, paychecks, and expenses every month (then giving up by February), you get a system that thinks ahead for you.
Finally, A Budget That Does Not Fail You By Month 2
This is not just another budget template. It is financial freedom on autopilot.
✨ SET IT ONCE. USE IT FOREVER.
- Recurring transactions? Set them up ONCE and watch 12 months populate automatically.
- Bills, paychecks, subscriptions, everything flows exactly where it needs to go.
- No more "forgetting" to update your budget every month.
🏠 WORKS FOR YOUR MESSY, REAL LIFE
- Got an unexpected expense? The manual log handles it instantly.
- Irregular income? The system adapts.
- Want to hide tabs you do not need? Done in one click.
🎬 See The Ultimate Budget System In Action
Want to see exactly how it works before you buy? Here is a full walkthrough of the Ultimate Budget System, every tab in action, so you know precisely what you are getting.
28 Complete Financial Systems In One Beautiful Warm Beige Template
The Setup & Transaction Log
- Setup Tab - Do this once. Get started in minutes with clear instructions.
- Accounts Tracker - Track all of your bank accounts in one view.
- Payment Schedule - Mark bills as paid, see what is coming.
- Manual Log - Quick entry for one-off expenses.
The Smart Calendar
- Your income and bills automatically shown in a calendar view.
- See your daily and weekly balance automatically calculated in this calendar.
The Monthly Insights
- 12 Monthly Dashboards - Each month automatically populated.
- Weekly Variable Expenses - Track your flexible spending.
- Paycheck Dashboard - Perfect for bi-weekly or irregular income.
The Big Picture
- Annual Dashboard + Breakdown - See your year at a glance.
- Quarterly Dashboard - Track seasonal patterns.
- 50/30/20 Dashboard - Follow the proven budgeting rule.
- Net Worth Tracker - Watch your wealth grow over time.
The Debt Freedom Tools
- Debt Snowball Method - Pay off smallest balances first.
- Debt Avalanche Method - Tackle highest interest rates.
- Debt Custom Method - Full flexibility to pay off debts your way.
- Credit Score Focus - Improve your borrowing power.
More Features
- Sinking Funds and Savings - Track all of your savings easily in one sheet.
- Bills Review Calculator - Find money you did not know you had.
- And more.
🎁 EXCLUSIVE BONUS: Complete Budget Mastery Bundle (FREE With Your Order Today)
When you get the Ultimate Budget System today, you also receive our complete Budget Mastery Bundle, normally sold separately for $91.
- ✅ 30-Day Emergency Fund Challenge ($27 value)
- ✅ Sinking Funds Quick-Start Guide ($17 value)
- ✅ Debt Payoff Cheat Sheet ($17 value)
- ✅ Bills Audit Worksheet ($15 value)
- ✅ Net Worth Quick-Start Guide ($15 value)
Total Value: $138. Your Price Today: $37 (73% off).
🎯 Why This Works When Other Systems Fail
- It is built for real life, not a perfect month. Bills land late, paydays move, kids surprise you, the system absorbs it without breaking.
- It is one file, not a stack of apps. Your budget, debt, savings, calendar and net worth all in one place, so a decision in one area shows up in the others instantly.
- It rewards you for showing up. Dashboards update the moment you enter a number, so you see progress the same day you make it.
- You own it forever. One-time purchase, no monthly subscription, no data on someone else's server.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy to your Google Sheets or open in Excel.
- Follow the Setup tab. Clear, step-by-step instructions.
- Enter your numbers. The rest of the system auto-populates around them.
Works on Google Sheets and Excel, on any device.
Warm neutral palette designed to be easy on the eyes and a pleasure to open every week.
New to budgeting in Google Sheets? Start with our free guide to building a budget on Google Sheets, then come back when you want the whole year automated.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.
All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.
Trusted by 76,000+ customers worldwide
One Budget, Two People, Zero Arguments About Who Paid What
Budget together, or separately, in one shared file. Now in dark mode.
Most budget spreadsheets are built for one person. The moment two people share money, the questions change: who paid the electricity bill, what does each of us owe, and how much is actually left once both paychecks are in?
What usually happens with a one-person budget:
- One partner tracks everything and the other has no idea the plan exists.
- Shared bills get split in your head, and the maths drifts every month.
- You re-type the same rent, insurance and subscriptions every single month.
- Nobody can see individual spending and the combined picture at the same time.
The Couples & Family Budget 3.0 is built for shared money from the ground up. This is the dark mode version: dark backgrounds with teal, pink and purple accents, easier on the eyes for late-night budget check-ins.
💞 Automatic Bill Split
- Enter Partner 1's split ratio, tick the box, and the split amounts fill in for both of you.
- Assign a payer to every recurring transaction and it flows through to the partner and distribution sheets automatically.
- The Distribution Dashboard shows who spent what, each person's contribution ratio, and a running balance of what you owe each other.
⚙️ Set Recurring Payments Once
- Set up bills, debt, savings, subscriptions, income and money transfers once in the Setup tab.
- They appear in the right months and pay periods automatically. No more copy and paste.
- Log irregular spending and invoices in the Manual Log, with a checkbox to mark every payment as paid.
👥 Separate And Combined Dashboards
- Partner 1 and Partner 2 dashboards show what each person earns, saves and spends.
- A combined dashboard shows the whole household at a glance.
- Works for any period: weekly, biweekly, semi-monthly, 4-weekly, monthly or custom.
- Hide any tabs or columns you do not need.
🧰 18 Tabs In One Dark Mode System
- ✅ Setup, Payments, Manual Log and Accounts Tracker (up to 25 bank accounts, with the transfer needed to cover upcoming bills)
- ✅ Monthly Dashboard and Paycheck Dashboard
- ✅ Annual Dashboard and Annual Breakdown (average monthly spend per category)
- ✅ Bill Calendar showing bills, debt, subscriptions and income by day
- ✅ 50/30/20 Needs vs Wants Dashboard, switchable per partner and customisable to any ratio
- ✅ Distribution Dashboard and Partner 1, Partner 2 and Combined dashboards
- ✅ Debt Payoff Planner for up to 50 debts, with snowball, avalanche, custom and credit-score methods
- ✅ Savings and Sinking Funds tracker for up to 40 goals
- ✅ Net Worth Tracker for up to 32 assets and 30 liabilities
- ✅ Bonus Group Category sheet that totals utilities, housing, car costs and more
- ✅ Instruction tab plus a video tutorial
🎯 Why Couples Stick With It
- Nobody has to be the household accountant. Both of you can see the same numbers.
- No mental maths. The split, the running balance and what's left are calculated for you.
- Together or separate. Keep some money shared and some private, in the same file.
- You own it forever. One-time purchase, no subscription.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy it to your Google Sheets, or open the Excel file.
- Follow the Setup tab. Add your recurring payments and who pays them.
- Share it with your partner. The dashboards update for both of you.
You receive a PDF with the Google Sheets link (in $, € and £) plus the Excel file. Google Sheets is free with a Google account. Excel requires Microsoft 365 or Excel 2024; older Excel versions are not supported.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.
All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.
Trusted by 76,000+ customers worldwide
One Budget, Two People, Zero Arguments About Who Paid What
Budget together, or separately, in one shared file.
Most budget spreadsheets are built for one person. The moment two people share money, the questions change: who paid the electricity bill, what does each of us owe, and how much is actually left once both paychecks are in?
What usually happens with a one-person budget:
- One partner tracks everything and the other has no idea the plan exists.
- Shared bills get split in your head, and the maths drifts every month.
- You re-type the same rent, insurance and subscriptions every single month.
- Nobody can see individual spending and the combined picture at the same time.
The Couples & Family Budget 3.0 is built for shared money from the ground up.
💞 Automatic Bill Split
- Enter Partner 1's split ratio, tick the box, and the split amounts fill in for both of you.
- Assign a payer to every recurring transaction and it flows through to the partner and distribution sheets automatically.
- The Distribution Dashboard shows who spent what, each person's contribution ratio, and a running balance of what you owe each other.
⚙️ Set Recurring Payments Once
- Set up bills, debt, savings, subscriptions, income and money transfers once in the Setup tab.
- They appear in the right months and pay periods automatically. No more copy and paste.
- Log irregular spending and invoices in the Manual Log, with a checkbox to mark every payment as paid.
👥 Separate And Combined Dashboards
- Partner 1 and Partner 2 dashboards show what each person earns, saves and spends.
- A combined dashboard shows the whole household at a glance.
- Works for any period: weekly, biweekly, semi-monthly, 4-weekly, monthly or custom.
- Hide any tabs or columns you do not need.
🧰 18 Tabs In One Teal Green System
- ✅ Setup, Payments, Manual Log and Accounts Tracker (up to 25 bank accounts, with the transfer needed to cover upcoming bills)
- ✅ Monthly Dashboard and Paycheck Dashboard
- ✅ Annual Dashboard and Annual Breakdown (average monthly spend per category)
- ✅ Bill Calendar showing bills, debt, subscriptions and income by day
- ✅ 50/30/20 Needs vs Wants Dashboard, switchable per partner and customisable to any ratio
- ✅ Distribution Dashboard and Partner 1, Partner 2 and Combined dashboards
- ✅ Debt Payoff Planner for up to 50 debts, with snowball, avalanche, custom and credit-score methods
- ✅ Savings and Sinking Funds tracker for up to 40 goals
- ✅ Net Worth Tracker for up to 32 assets and 30 liabilities
- ✅ Bonus Group Category sheet that totals utilities, housing, car costs and more
- ✅ Instruction tab plus a video tutorial
🎯 Why Couples Stick With It
- Nobody has to be the household accountant. Both of you can see the same numbers.
- No mental maths. The split, the running balance and what's left are calculated for you.
- Together or separate. Keep some money shared and some private, in the same file.
- You own it forever. One-time purchase, no subscription.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy it to your Google Sheets, or open the Excel file.
- Follow the Setup tab. Add your recurring payments and who pays them.
- Share it with your partner. The dashboards update for both of you.
You receive a PDF with the Google Sheets link (in $, € and £) plus the Excel file. Google Sheets is free with a Google account. Excel requires Microsoft 365 or Excel 2024; older Excel versions are not supported.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.
All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.
Trusted by 76,000+ customers worldwide
Tired Of Guessing Your Numbers Each Month?
The small business budget that gives you the full picture.
Most small business owners do not actually know their numbers. Money comes in, money goes out, and somewhere in the middle there is hopefully a profit. Hopefully.
This template ends the hoping. Income, expenses, taxes, payroll, cash flow and profit, all in one connected spreadsheet that updates the moment you enter a number.
💼 Everything You Need To Run The Numbers
- ✅ Income Tracker - every revenue stream in one view
- ✅ Expense Categories - 25+ pre-built categories you can rename or add to
- ✅ Tax Tracker - set aside the right percentage every month, never get caught short
- ✅ Cash Flow Forecast - see the next three to six months before they happen
- ✅ Profit and Loss Dashboard - real margins, not gut feel
- ✅ Owner Pay and Distributions - take a salary that does not break the business
- ✅ Annual Dashboard - the full year at a glance, ready for your accountant
📊 Built For Real Small Businesses
- Service businesses, e-commerce, freelancers, consultants, agencies.
- Sole traders all the way up to teams of ten.
- Works alongside Quickbooks, Xero, or on its own.
- Renamable categories so your industry language fits naturally.
🎯 Why This Works When Spreadsheets Usually Fail
- It is one file. Income, expenses, tax and cash flow all connected, so a change in one feeds the others.
- It is built for owners, not accountants. Plain English, clear dashboards, no jargon walls.
- It scales with you. Add categories, add months, add a forecast year, the formulas keep working.
- You own it forever. One-time purchase. No monthly subscription per seat.
⚡ Get Started In Under 10 Minutes
- Instant download. The link arrives in your email within seconds of checkout.
- Make a copy. One click to copy to your Google Sheets or open in Excel.
- Follow the Setup tab. Clear, step-by-step instructions.
- Enter your numbers. The rest of the system auto-populates around them.
Works on Google Sheets and Excel, on any device.
🛡️ The "Actually Use It" Guarantee
Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.
All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.