Dashboard
Income, spending, what's left, savings rate, top categories and a planned vs actual chart.
Budget spreadsheet · Google Sheets & Excel
See exactly where your money goes — in one calm dashboard.
A budget spreadsheet for Google Sheets & Excel that does the math for you. Set it up in 10 minutes, keep it for years.
Get Tidy Money — $12- Works in Google Sheets & Excel
- Instant download (.xlsx + PDF guide)
- One-time $12 · no subscription
Inside the workbook
What the sheets actually look like
Four of the ten tabs, rebuilt here with example numbers. Yellow cells are the ones you type in; everything else is calculated for you.
Income
$6,850
Spent
$3,610
Left over
$3,240
Savings rate
47%
| Category | Planned | Actual | Left | % used |
|---|---|---|---|---|
| Housing | 1,450 | 1,450 | 0 | 100% |
| Groceries | 550 | 496 | 54 | 90% |
| Eating out | 200 | 99 | 101 | 50% |
| Transport | 220 | 112 | 108 | 51% |
| Subscriptions | 45 | 29 | 16 | 64% |
| Utilities | 120 | 141 | -21 | 118% |
Pick a month from the dropdown and every number on this tab switches to that month. A negative “Left” cell turns red on its own.
| Goal | Target | Saved | Remaining | Progress | Target date | Months left | Save per month |
|---|---|---|---|---|---|---|---|
| Emergency fund | 6,000 | 2,150 | 3,850 | 36% | Jun 30 2027 | 9 | $428 |
| Vacation | 1,800 | 400 | 1,400 | 22% | Mar 1 2027 | 6 | $233 |
| New laptop | 1,400 | 1,400 | 0 | 100% | — | — | Done ✓ |
| Car repairs fund | 1,000 | 250 | 750 | 25% | Jan 31 2027 | 4 | $188 |
Type a goal, a target and a date. The sheet works out what is left, how many months remain and what to set aside each month to make it.
| Debt | Balance | APR | Minimum | Payoff order | Months at minimum | Interest at minimum |
|---|---|---|---|---|---|---|
| Store card | 640 | 28.99% | 30 | 1 | 30 | $260 |
| Credit card A | 3,200 | 24.99% | 95 | 2 | 59 | $2,405 |
| Car loan | 8,900 | 6.9% | 265 | 3 | 37 | $920 |
| Student loan | 12,400 | 5.5% | 140 | 4 | 117 | $3,980 |
| Total | 25,140 | 530 | $7,565 |
Avalanche orders debts by highest APR first; Snowball by smallest balance first. The highlighted row is where the extra $150 goes until that balance is gone, then it rolls to the next one. Interest figures are estimates at the minimum payment.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 6,850 | 82,200 |
| Expenses | 3,920 | 3,610 | 3,780 | 3,450 | 3,990 | 4,080 | 3,720 | 3,540 | 3,610 | 3,880 | 3,960 | 4,100 | 45,640 |
| Left over | 2,930 | 3,240 | 3,070 | 3,400 | 2,860 | 2,770 | 3,130 | 3,310 | 3,240 | 2,970 | 2,890 | 2,750 | 36,560 |
| Savings rate | 43% | 47% | 45% | 50% | 42% | 40% | 46% | 48% | 47% | 43% | 42% | 40% | 44% |
The real tab also breaks every category out across the 12 months, so you can spot which ones drift over the year.
You type hereCalculated for youOver plan
Every tab
Ten tabs. One file. Everything connected.
Log a transaction once and every other tab updates on its own.
Monthly Budget
Planned vs actual by category, filled in from your transactions.
Transactions log
Date, description, amount and a dropdown category. 1,000 rows ready.
Budget Plan
12 months of targets. Set defaults once, override any single month.
Annual Overview
Every category across 12 months plus a trend chart.
Savings Goals
Sinking funds with progress bars and the monthly amount needed.
Debt Payoff
Snowball or avalanche order, months to payoff and an interest estimate.
Net Worth
Assets minus debts, 24 months side by side, with a chart.
Settings
Your categories, accounts and budget year. Change them here, every dropdown updates.
Start Here
A short walkthrough inside the file, plus the Quick Start PDF.
How it works
Three steps, no app to learn
Buy & download
Check out and get the .xlsx file plus the Quick Start PDF right away, on the thank-you page and by email.
Open in Google Sheets or Excel
Import into Google Sheets or open in Excel. Set your categories and budget year in the Settings tab.
Log spending, watch the dashboard update
Add transactions as you go. Budget, annual view, goals and net worth all recalculate automatically.
Who it's for
Made for people who want it simple
You want simple and pretty
A practical system that's pleasant to open. Clean layout, clear numbers, nothing you don't need.
Couples who share one sheet
One file in a shared Google Drive. Both of you log spending; both of you see the same dashboard.
Tired of monthly app fees
Pay once, keep the file. No subscription, no account, no bank connection required.
Spreadsheet vs. budgeting app
How it compares
A plain side-by-side. “Typical app” means the common subscription budgeting apps; details vary by product.
| Feature | Tidy Money | Typical subscription app | Paper / notebook |
|---|---|---|---|
| Price | One-time $12 | $8–$15 every month | Free |
| Your data | In your own Google Drive or on your computer | On their servers | In a notebook |
| Bank linking | Manual entry, about 5 minutes a week | Automatic | Manual |
| Customizable categories | Yes, unlimited | Limited | Yes |
| Works offline | Yes, in Excel | No | Yes |
| Shared with a partner | Yes, share the Google Sheet | Usually a paid tier | No |
Tidy Money does not connect to your bank. If automatic imports matter most to you, an app is the better fit.
What you get
Two files, delivered right after checkout
Tidy-Money-Budget-Dashboard.xlsx
Excel workbook · opens in Google Sheets and Excel
- 10 tabs, all connected
- 1,000-row transaction log with dropdown categories
- Conditional formatting that flags over-budget lines
- 3 charts: planned vs actual, annual trend, net worth
Tidy-Money-Quick-Start-Guide.pdf
PDF guide · short and printable
- Set-up in 10 minutes, for Google Sheets and for Excel
- A 5-minute weekly routine
- FAQ and troubleshooting
Who made this
A small team, one spreadsheet
We're a small independent team that wanted a budget we could keep in a plain spreadsheet — no app to install, no subscription, no bank login. Tidy Money is the file we built for ourselves, cleaned up and documented so anyone can use it. If you get stuck, reply to your receipt email and a person will answer.
Pricing
Tidy Money — Budget Dashboard
$12 one-time
No subscription. Lifetime use.
- The Tidy Money .xlsx file — 10 connected tabs
- Quick Start PDF for Google Sheets and Excel
- Works in Google Sheets, Excel 2016+ and Microsoft 365
- Editable categories and dropdowns
- Instant download after checkout
7-day refund if it's not for you — just reply to your receipt email.
FAQ
Questions, answered
Does it work in Google Sheets?
Yes. Open the .xlsx in Google Sheets, or use File > Import. All formulas are compatible.
Does it work in Excel?
Yes — Excel 2016 and newer, and Microsoft 365, on Mac and Windows. Apple Numbers opens it too, with minor chart differences.
Is it a subscription?
No. It's a one-time $12 purchase with lifetime use.
How is it delivered?
Instantly after checkout via Whop. You'll get the download link on the thank-you page and by email.
Can I customize categories?
Yes. Edit the Settings tab and the dropdowns update automatically across the file.
What about refunds?
7 days, no questions. Reply to your receipt email and we'll take care of it.
Ready to see where your money goes?
One file. Ten minutes to set up. Yours to keep.
Get Tidy Money — $12Google Sheets · Excel · One-time $12 · Instant download