intaj
An honest savings rate
Money you move to savings is tracked as saving, not spending, so the number means something.
46%
Sample month · income 4,612 · net saved 2,121
SHEETSExcel + Google Sheets
Your money, in one calm spreadsheet.
Budget, spending, savings goals and net worth in one workbook. Type or paste your numbers, and every total, chart and progress bar updates by itself.
No loginsno bank access$19one-time14 daysmoney-back
Sound familiar?
A budgeting app that wants your bank password, a subscription you forgot about, and a spreadsheet you
A budgeting app that wants your bank password, a subscription you forgot about, and a spreadsheet you started in January.
Most money tools either ask for too much (logins, monthly fees) or give too little (a blank grid). This one sits in the middle: a finished workbook you own, that does the math for you.
Where did my money go this month?
Am I over budget?
How much did I actually save?
When will I reach my goal?
Is my net worth going up?
One workbook
Type it once. Everything updates.
Pick a category for each transaction. Budget, monthly totals, savings rate, goals and charts follow on their own.
Budget vs actual, per category
Set a monthly amount for each category. See what's spent, what's left, and what went over.
Housing1,350 / 1,350 · 100%
Groceries323 / 420 · 77%
Dining out80 / 180 · 44%
Goals with a monthly target
Enter a target and a date. The sheet shows your progress and how much to set aside each month.
Emergency fund5,400 of 9,00060%
New laptop1,100 of 1,60069%
Net worth, month by month
Add your month-end balances. Assets minus debts, tracked across the year.
Jul 2026Net worth1,020
Sep 2026Net worth2,962
A debt payoff plan you can see
List your debts, pick avalanche or snowball and an extra amount. See the month each one is gone and what the interest costs.
Credit card720 at 22.9%Feb 2027
Car loan4,600 at 7.9%Feb 2028
Student loan8,240 at 5.5%Dec 2028
Paste your bank export
Drop in your bank's CSV. Keyword rules you control fill in the category, so a month of transactions takes minutes.
NETFLIX.COM15.49Subscriptions
PAYROLL ACME LTD4,200.00Salary
Dashboard
Pick a month. See the whole picture.
Income, spending, net saved and net worth for the month you choose, with budget vs actual, goals and a spending chart.
- Any month of the year from a dropdown
- Spending by category chart, income vs expenses by month
- Your currency code in every money header
Transactions
One row per payment. That's the whole job.
Date, description, category, account, amount. The type (income, expense or saving) fills in from the category, and the month is worked out for you.
- 1,500 rows ready to fill
- 19 categories you can rename, up to 40
- Paste from your bank's CSV export if you like
Net worth
Five minutes a month to see where you stand.
Enter each account's balance at month end. Assets, debts and net worth are totalled for every month of the year.
What's inside
A finished workbook, not a blank grid.
It arrives with three months of sample data, so you can see how it behaves before you add your own numbers.
13
Sheets
Dashboard, Transactions, Budget, Monthly, Annual, Goals, Sinking funds, Net worth, Debt payoff, Import and more
19
Categories
Needs, wants and savings, ready to rename
5
Charts
Spending, income vs expenses, budget, net worth and debt payoff
5 min
Setup
A Start here sheet walks you through it
How it works
Up and running tonight.
Buy once
Checkout takes a minute. The file is ready to download straight away.
Open it
In Excel, just open it. For Google Sheets, open the copy link on your download page and your own copy is made in one click.
Make it yours
Set your currency, clear the sample data, set your budget. The Start here sheet shows how.
One-time purchase
Personal Finance Dashboard
$19USD, once
No subscription. Your file, your numbers.
Get the dashboardSecure checkout by Gumroad · Cards, PayPal, Apple Pay
- 13 connected sheets and 5 charts
- Budget vs actual with a 50/30/20 check
- Savings goals with a monthly target
- Net worth tracked month by month
- Debt payoff planner (avalanche or snowball) and sinking funds
- Paste your bank's CSV: categories fill in from your rules
- Works in Excel and Google Sheets
- Available in 7 languages: English, Español, Português, العربية, Français, Deutsch, 日本語
- Formulas only: no macros, no add-ons
- Email support from the people who built it
14
14-day money-back guarantee. If it isn't right for you, email us within 14 days for a full refund.
FAQ
Questions, answered.
Does it connect to my bank?
No. You type or paste your own transactions. Nothing leaves your computer or your Google account, and there are no logins to hand over.
Does it work in Google Sheets?
Yes. Your download page has a Google Sheets copy link for each language: one click makes your own copy, nothing to upload. Every formula, chart and dropdown works there too.
Which Excel versions?
Excel for Windows and Mac, and Excel on the web. It uses standard formulas only, with no macros.
Can I use my own currency?
Yes. Type your currency code (USD, EUR, GBP, AED ...) in Settings and it appears in every money header. The numbers work with any currency.
Can I change the categories?
Yes. Rename them or add up to 40 in Settings, and set each one as income, expense or saving.
Is this financial advice?
No. It's a tool to see your own numbers clearly. Decisions stay yours.
What if it's not for me?
Email [email protected] within 14 days of purchase and we'll refund you in full.
Know where your money goes, and where it's growing.
One-time purchaseExcel + Google Sheets14-day refund