{"title":"Budget spreadsheet","description":"\u003cp\u003e\u003cmeta charset=\"utf-8\"\u003eExplore our professional \u003cb data-path-to-node=\"1,1,1\" data-index-in-node=\"25\"\u003ebudget template\u003c\/b\u003e library designed for Google Sheets. Featuring automated calculations, debt trackers, and custom monthly dashboards to master your personal finance.\u003c\/p\u003e","products":[{"product_id":"budget-sheet-template-google-sheets","title":"Budget sheet template google sheets","description":"\u003cp\u003e\u003cmeta charset=\"utf-8\"\u003e\u003cmeta name=\"viewport\" content=\"width=device-width, initial-scale=1\"\u003e\u003cmeta name=\"description\" content=\"A simple budget sheet template for Google Sheets. Track income, expenses, debt and savings with 15 tabs, expected vs. actual numbers and auto-updating charts. Instant download, $12.\"\u003e \u003clink rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\"\u003e \u003clink rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin=\"\"\u003e \u003clink rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700\u0026amp;display=swap\"\u003e \u003cscript type=\"application\/ld+json\"\u003e\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Product\",\n  \"name\": \"Budget Sheet Template Google Sheets\",\n  \"description\": \"A user-friendly Google Sheets monthly budget template to track income, expenses, debt repayments and savings, compare expected vs. actual spending, and see your cash flow in auto-updating charts.\",\n  \"brand\": {\"@type\": \"Brand\", \"name\": \"Arkeonic\"},\n  \"category\": \"Digital Download \u003e Budget Templates\",\n  \"offers\": {\n    \"@type\": \"Offer\",\n    \"url\": \"https:\/\/arkeonic.com\/products\/budget-sheet-template-google-sheets\",\n    \"priceCurrency\": \"USD\",\n    \"price\": \"12.00\",\n    \"availability\": \"https:\/\/schema.org\/InStock\"\n  }\n}\n\u003c\/script\u003e \u003cscript type=\"application\/ld+json\"\u003e\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Do I need Excel or any paid software?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The template runs in Google Sheets, which is free with any Google account. It works in your browser and in the Google Sheets app on phone and tablet.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is this a Google Docs budget template?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is built in Google Sheets, the spreadsheet app in Google's Docs Editors suite. Many people search for a Google Docs budget template, but a spreadsheet is what makes the automatic totals and charts possible.\"}},\n    {\"@type\":\"Question\",\"name\":\"How do I get the template after I buy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You get an instant download with a PDF guide. Click the link inside, choose Make a copy, and the budget sheet is saved to your own Google Drive.\"}},\n    {\"@type\":\"Question\",\"name\":\"I'm not good with spreadsheets. Will I be able to use it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. You only type in your numbers. All formulas, totals and charts are already built, and an instructions tab walks you through setup.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is my financial data private?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Your copy lives in your own Google Drive. We never see it, and it never connects to your bank.\"}},\n    {\"@type\":\"Question\",\"name\":\"What if it's not right for me?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Try it for 7 days. If it's not right for you, contact us within 7 days for a refund.\"}}\n  ]\n}\n\u003c\/script\u003e\u003c\/p\u003e\n\u003cstyle\u003e\n\/* Layout: shop-style product page. Gallery of pink-to-peach mockup tiles on the left, buy column on the right; soft pink page wash. Single light theme to match the store. *\/\n:root{\n  --white:#FFFFFF;\n  --plum:#2E2A39;\n  --plum-soft:#5E5A69;\n  --plum-faint:#8E8A98;\n  --line:#EFE6EE;\n  --apricot:#FFCE82;\n  --apricot-deep:#FDBB5E;\n  --lemon:#FFFC60;\n  --lemon-soft:#FFF9B8;\n  --pink:#F7B4EE;\n  --pink-soft:#FDE7F8;\n  --peach:#FFC6A8;\n  --coral:#FFA58F;\n  --sheet-pink:#F9CFF3;\n  --sheet-green:#BFE8D4;\n  --good:#23775A;\n  --good-bg:#E2F5EB;\n  --bad:#B8453A;\n  --bad-bg:#FCE8E5;\n  --tile:linear-gradient(160deg,#F7B4EE 0%,#FFC7C2 52%,#FFB79C 100%);\n  --font:\"Poppins\",system-ui,-apple-system,\"Segoe UI\",Roboto,sans-serif;\n  --r:12px;\n  color-scheme:light;\n}\n*{box-sizing:border-box}\nhtml{scroll-behavior:smooth}\n@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}\nbody{background:linear-gradient(180deg,var(--white) 0,var(--white) 900px,#FFF4FB 2200px,var(--pink-soft) 100%);color:var(--plum);font-family:var(--font);font-size:16px;line-height:1.7;letter-spacing:.01em;-webkit-font-smoothing:antialiased;padding-bottom:84px;overflow-x:hidden}\n@media (min-width:900px){body{padding-bottom:0}}\nh1,h2,h3{margin:0;line-height:1.2;font-weight:500;letter-spacing:-.01em;text-wrap:balance}\np{margin:0}\na{color:inherit}\nimg,svg{max-width:100%}\n.wrap{width:100%;max-width:1120px;margin:0 auto;padding-inline:20px}\n.eyebrow{font-size:11.5px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--plum-soft)}\nsection{padding-block:72px}\n@media (max-width:640px){section{padding-block:52px}}\n.section-head{max-width:680px;display:grid;gap:12px;margin-bottom:36px}\n.section-head h2{font-size:clamp(26px,4vw,38px)}\n.section-head p{color:var(--plum-soft);font-size:16.5px}\n.center{margin-inline:auto;text-align:center}\n.grid-auto{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(min(260px,100%),1fr))}\n\n\/* Buttons *\/\n.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:500 15.5px\/1.2 var(--font);letter-spacing:.02em;color:var(--plum);background:var(--apricot);border:1px solid rgba(46,42,57,.12);border-radius:8px;padding:15px 26px;text-decoration:none;transition:background .15s,transform .15s,box-shadow .15s;cursor:pointer;text-align:center}\n.btn:hover{background:var(--apricot-deep);box-shadow:0 6px 18px rgba(253,187,94,.45);transform:translateY(-1px)}\n.btn--block{width:100%}\n.btn--dark{background:var(--plum);color:var(--white)}\n.btn--dark:hover{background:#433D52;box-shadow:0 6px 18px rgba(46,42,57,.25)}\na:focus-visible,.btn:focus-visible,summary:focus-visible{outline:2px solid var(--plum);outline-offset:3px}\n\n\/* Announcement *\/\n.announce{background:var(--lemon-soft);border-bottom:1px solid #F1E98E;text-align:center;font-size:13px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;padding:9px 16px}\n\n\/* Product hero *\/\n.product{padding-block:40px 64px}\n.product-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:36px;align-items:start}\n@media (min-width:900px){.product-grid{grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:56px}}\n.gallery{display:grid;gap:16px;min-width:0}\n@media (min-width:900px){.gallery{position:sticky;top:20px}}\n.thumbs{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}\n.tile{background:var(--tile);border-radius:var(--r);overflow:hidden;display:grid;align-content:start;box-shadow:0 10px 30px rgba(247,180,238,.35);min-width:0}\n.tile-cap{background:var(--lemon-soft);text-align:center;font-weight:600;line-height:1.25;padding:14px 16px;margin-top:22px;font-size:clamp(15px,2.2vw,21px)}\n.tile-cap.sm{font-size:12px;padding:9px 10px;margin-top:14px;font-weight:600}\n.tile-body{padding:22px 22px 28px;display:grid;place-items:center}\n.tile-body.sm{padding:14px 12px 18px}\n.tile-note{text-align:center;font-size:12px;color:var(--plum-faint)}\n\n\/* Monitor mock *\/\n.monitor{width:100%;max-width:520px}\n.screen{background:#1d1b22;border-radius:12px 12px 4px 4px;padding:10px}\n.stand{width:22%;height:34px;margin:0 auto;background:linear-gradient(#cfcfd4,#a9a9b0);clip-path:polygon(18% 0,82% 0,100% 100%,0 100%)}\n.base{width:38%;height:7px;margin:0 auto;border-radius:6px;background:#bdbdc4}\n.chin{height:22px;background:linear-gradient(#e9e9ee,#cfcfd6);border-radius:0 0 10px 10px;margin:-4px 0 0}\n\n\/* Spreadsheet (inside screens) *\/\n.ss{background:var(--white);border-radius:4px;overflow:hidden;font-size:clamp(7px,1.25vw,10.5px);line-height:1.35;color:var(--plum)}\n.ss-top{display:flex;align-items:center;gap:6px;padding:5px 7px;border-bottom:1px solid #eee;font-size:.9em;color:var(--plum-soft)}\n.ss-top i{width:10px;height:12px;border-radius:2px;background:#1E8E4E;flex:none}\n.ss-month{background:var(--sheet-pink);text-align:center;font-weight:600;letter-spacing:.3em;padding:3px 0;font-size:.95em}\n.ss-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr) minmax(0,1fr);gap:8px;padding:8px}\n.ss-kpi{display:grid;gap:2px;align-content:start}\n.ss-kpi div{display:flex;justify-content:space-between;gap:4px;background:#fff5d6;padding:2px 4px;border:1px solid #f1e3b8}\n.ss-kpi div:nth-child(odd){background:#fde9fa;border-color:#f3d2ee}\n.ss-kpi b{font-weight:600}\n.ss-bars{display:flex;align-items:flex-end;gap:4px;height:58px;border-bottom:1px solid #ddd;padding:0 4px}\n.ss-bars span{flex:1;border-radius:2px 2px 0 0;background:var(--pink)}\n.ss-bars span:nth-child(2n){background:var(--apricot)}\n.ss-donuts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:6px;padding:0 8px 8px}\n.ss-donuts svg{width:100%;height:auto;display:block}\n.ss-table{width:100%;border-collapse:collapse;table-layout:fixed}\n.ss-table td,.ss-table th{border:1px solid #e9e4ec;padding:2px 4px;text-align:left;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}\n.ss-table th{background:var(--sheet-green);font-weight:600}\n.ss-table td:not(:first-child){text-align:right}\n.ss-table tr:nth-child(even) td{background:#fbf7fb}\n.ss-tabs{display:flex;flex-wrap:wrap;gap:2px 8px;padding:4px 7px;border-top:1px solid #eee;color:var(--plum-faint);font-size:.85em}\n.ss-tabs b{color:#1A73E8;font-weight:600}\n\n\/* Tablet mock (thumbs) *\/\n.tablet{width:100%;max-width:240px;background:#1d1b22;border-radius:12px;padding:7px}\n.tablet .ss{font-size:clamp(6px,1vw,8.5px);border-radius:5px}\n\n\/* Buy column *\/\n.info{display:grid;gap:20px;min-width:0}\n.vendor{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--plum-soft)}\n.info h1{font-size:clamp(30px,4.4vw,46px);line-height:1.15}\n.price-row{display:flex;align-items:center;gap:12px;flex-wrap:wrap}\n.price-was{color:var(--plum-faint);text-decoration:line-through;font-size:16px}\n.price{font-size:24px;font-weight:500}\n.sale{background:var(--lemon);border-radius:999px;font-size:12px;font-weight:500;padding:3px 12px}\n.save-note{font-size:13px;color:var(--plum-soft);width:100%}\n.label{font-size:13px;color:var(--plum-soft);margin-bottom:6px}\n.format{display:flex;align-items:center;justify-content:space-between;gap:10px;background:var(--apricot);border-radius:8px;padding:11px 16px;font-size:14px;max-width:320px}\n.format small{font-size:12px;color:var(--plum-soft)}\n.bullets{list-style:none;padding:0;margin:0;display:grid;gap:10px}\n.bullets li{display:grid;grid-template-columns:22px minmax(0,1fr);gap:10px;font-size:15px}\n.tick{width:22px;height:22px;border-radius:50%;background:var(--lemon-soft);display:grid;place-items:center;border:1px solid #EADF7A;margin-top:2px}\n.tick svg{width:11px;height:11px}\n.ctas{display:grid;gap:10px}\n.trust{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:13px;color:var(--plum-soft);justify-content:center}\n.trust span{display:inline-flex;align-items:center;gap:6px}\n.trust svg{width:15px;height:15px;flex:none}\n.desc{display:grid;gap:14px;color:var(--plum-soft);font-size:15px;border-top:1px solid var(--line);padding-top:20px}\n.desc b{color:var(--plum)}\n\n\/* Pain *\/\n.pain{background:linear-gradient(180deg,var(--pink-soft),var(--white))}\n.pain-card{background:var(--white);border-radius:var(--r);padding:24px;display:grid;gap:8px;box-shadow:0 8px 24px rgba(46,42,57,.06)}\n.pain-card .q{font-size:19px;font-weight:600}\n.pain-card p{color:var(--plum-soft);font-size:15px}\n.pain-foot{margin-top:32px;font-size:18px;max-width:40em}\n.pain-foot b{background:linear-gradient(transparent 55%,var(--lemon) 55%,var(--lemon) 92%,transparent 92%)}\n\n\/* Before \/ after *\/\n.ba{display:grid;gap:20px;grid-template-columns:minmax(0,1fr)}\n@media (min-width:780px){.ba{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}\n.ba-col{border-radius:var(--r);padding:26px;display:grid;gap:14px;align-content:start}\n.ba-col.before{background:#F7F5F8}\n.ba-col.after{background:var(--tile)}\n.ba-col.after .inner{background:rgba(255,255,255,.88);border-radius:10px;padding:20px;display:grid;gap:14px}\n.ba-col h3{font-size:19px;font-weight:600}\n.ba-col ul{margin:0;padding:0;list-style:none;display:grid;gap:10px}\n.ba-col li{display:grid;grid-template-columns:22px minmax(0,1fr);gap:10px;font-size:15px}\n.ba-col.before li{color:var(--plum-soft)}\n.x{width:20px;height:20px;border-radius:50%;border:1px solid var(--plum-faint);display:grid;place-items:center;font-size:10px;color:var(--plum-faint);margin-top:3px}\n\n\/* Features *\/\n.feat{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:24px;display:grid;gap:10px;align-content:start}\n.feat-ico{width:46px;height:46px;border-radius:12px;background:var(--tile);display:grid;place-items:center;color:var(--plum)}\n.feat-ico svg{width:22px;height:22px}\n.feat h3{font-size:17.5px;font-weight:600}\n.feat p{font-size:15px;color:var(--plum-soft)}\n\n\/* Inside *\/\n.inside-grid{display:grid;gap:36px;grid-template-columns:minmax(0,1fr);align-items:center}\n@media (min-width:900px){.inside-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}\n.tab-board{background:var(--tile);border-radius:var(--r);padding:22px}\n.tab-stack{display:grid;grid-template-columns:repeat(auto-fill,minmax(88px,1fr));gap:8px}\n.tab-chip{background:rgba(255,255,255,.92);border-radius:8px;padding:10px 6px;text-align:center;font-size:13px;font-weight:500}\n.tab-chip.hl{background:var(--lemon-soft)}\n.tab-chip.alt{background:var(--apricot)}\n.tab-key{display:flex;flex-wrap:wrap;gap:8px 16px;font-size:12.5px;margin-top:14px}\n.tab-key i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px;border:1px solid rgba(46,42,57,.2)}\n.included{display:grid;gap:14px}\n.included h2{font-size:clamp(26px,4vw,38px)}\n.included \u003e p{color:var(--plum-soft)}\n.spec{display:grid;grid-template-columns:minmax(0,auto) minmax(0,1fr);gap:10px 20px;font-size:15px;border-top:1px solid var(--line);padding-top:18px;margin:6px 0 0}\n.spec dt{font-weight:600}\n.spec dd{margin:0;color:var(--plum-soft)}\n@media (max-width:480px){.spec{grid-template-columns:minmax(0,1fr);gap:2px}.spec dd{margin-bottom:10px}}\n\n\/* Steps *\/\n.step{background:var(--white);border-radius:var(--r);padding:24px;display:grid;gap:8px;border:1px solid var(--line)}\n.step-n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--lemon);font-weight:600;font-size:14px}\n.step h3{font-size:18px;font-weight:600}\n.step p{font-size:15px;color:var(--plum-soft)}\n\n\/* Who *\/\n.who{display:grid;grid-template-columns:auto minmax(0,1fr);gap:14px;align-items:start;padding:18px;border-radius:var(--r);background:var(--white);border:1px solid var(--line)}\n.who b{display:block;font-weight:600}\n.who span{font-size:14.5px;color:var(--plum-soft)}\n.who .dot{width:14px;height:14px;border-radius:50%;background:var(--tile);margin-top:6px}\n\n\/* Compare: table on desktop, stacked cards on mobile (no horizontal scroll) *\/\n.compare{width:100%;border-collapse:separate;border-spacing:0;background:var(--white);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;font-size:15px}\n.compare th,.compare td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}\n.compare thead th{font-size:13px;font-weight:600;color:var(--plum-soft);background:#FBF8FB}\n.compare thead th.us{background:var(--apricot);color:var(--plum)}\n.compare td.us{background:var(--lemon-soft);font-weight:600}\n.compare tbody tr:last-child td{border-bottom:0}\n.yes{color:var(--good);font-weight:600}\n.no{color:var(--plum-faint)}\n@media (max-width:720px){\n  .compare,.compare tbody,.compare tr,.compare td{display:block;width:100%}\n  .compare{border:0;background:none;border-radius:0;overflow:visible}\n  .compare thead{display:none}\n  .compare tbody{display:grid;gap:12px}\n  .compare tr{background:var(--white);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}\n  .compare td{display:flex;justify-content:space-between;gap:12px;padding:10px 16px;border-bottom:1px solid var(--line);text-align:right}\n  .compare td:first-child{display:block;text-align:left;font-weight:600;background:var(--pink-soft)}\n  .compare td[data-label]::before{content:attr(data-label);color:var(--plum-soft);font-weight:400;text-align:left}\n  .compare tr td:last-child{border-bottom:0}\n}\n\n\/* Testimonials *\/\n.t{background:var(--white);border-radius:var(--r);padding:24px;display:grid;gap:14px;align-content:start;box-shadow:0 8px 24px rgba(46,42,57,.06)}\n.sample-tag{justify-self:start;font-size:10.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;background:var(--lemon-soft);color:var(--plum-soft);border-radius:999px;padding:3px 10px}\n.t h3{font-size:17.5px;font-weight:600}\n.t p{font-size:15px;color:var(--plum-soft)}\n.t footer{font-size:14px;border-top:1px solid var(--line);padding-top:12px}\n.t footer b{display:block;font-weight:600}\n.t footer span{color:var(--plum-faint)}\n.sample-note{font-size:13px;color:var(--plum-faint);margin-top:20px;text-align:center}\n\n\/* Offer *\/\n.offer-box{background:var(--tile);border-radius:20px;padding:clamp(22px,5vw,52px);display:grid;gap:30px;grid-template-columns:minmax(0,1fr);align-items:center}\n@media (min-width:900px){.offer-box{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr)}}\n.offer-box h2{font-size:clamp(28px,4.2vw,42px)}\n.offer-card{background:var(--white);border-radius:16px;padding:clamp(20px,4vw,28px);display:grid;gap:18px;box-shadow:0 14px 40px rgba(46,42,57,.12)}\n.stack{list-style:none;margin:0;padding:0;display:grid}\n.stack li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px dashed var(--line);font-size:14.5px}\n.stack li span:last-child{color:var(--good);white-space:nowrap;font-weight:500}\n.guarantee{display:grid;grid-template-columns:auto minmax(0,1fr);gap:14px;align-items:center;background:var(--lemon-soft);border-radius:10px;padding:14px}\n.seal{width:56px;height:56px;border-radius:50%;background:var(--white);display:grid;place-content:center;text-align:center;font-weight:700;line-height:1;font-size:19px;box-shadow:inset 0 0 0 2px var(--apricot)}\n.seal small{display:block;font-size:8.5px;letter-spacing:.08em;text-transform:uppercase;margin-top:2px}\n.guarantee p{font-size:14px;color:var(--plum-soft)}\n.guarantee b{color:var(--plum)}\n\n\/* FAQ *\/\n.faq{max-width:780px;margin:0 auto;display:grid;gap:10px}\n.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:0 20px}\n.faq details[open]{box-shadow:0 8px 24px rgba(46,42,57,.06)}\n.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:17px 0;font-weight:500;font-size:16px}\n.faq summary::-webkit-details-marker{display:none}\n.faq summary::after{content:\"+\";font-size:22px;line-height:1;flex:none;transition:transform .2s}\n.faq details[open] summary::after{transform:rotate(45deg)}\n.faq details p{padding-bottom:18px;color:var(--plum-soft);font-size:15px}\n\n\/* Final *\/\n.final .inner{display:grid;gap:16px;justify-items:center;max-width:680px;margin:0 auto;text-align:center}\n.final h2{font-size:clamp(28px,4.4vw,42px)}\n.final p{color:var(--plum-soft)}\n.seo-copy{max-width:760px;margin:52px auto 0;border-top:1px solid var(--line);padding-top:30px;display:grid;gap:12px;font-size:15px;color:var(--plum-soft)}\n.seo-copy h2{font-size:19px;color:var(--plum);font-weight:600}\n\n\/* Sticky mobile bar *\/\n.sticky{position:fixed;left:0;right:0;bottom:0;z-index:20;background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(46,42,57,.08);padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));display:flex;align-items:center;justify-content:space-between;gap:12px}\n.sticky .p{font-weight:600;font-size:19px;line-height:1.2;min-width:0}\n.sticky .p s{font-weight:400;font-size:13px;color:var(--plum-faint);margin-left:6px}\n.sticky .p small{display:block;font-weight:400;font-size:11.5px;color:var(--plum-soft);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}\n.sticky .btn{padding:12px 18px;flex:none}\n@media (min-width:900px){.sticky{display:none}}\n\u003c\/style\u003e\n\u003cdiv class=\"announce\"\u003eInstant download · 7-day money-back guarantee\u003c\/div\u003e\n\u003cmain\u003e\u003c!-- PRODUCT HERO --\u003e\n\u003csection class=\"product\" id=\"top\"\u003e\n\u003cdiv class=\"wrap product-grid\"\u003e\n\u003c!-- Gallery (illustrative mockups; replace with real product images) --\u003e\n\u003cdiv class=\"gallery\"\u003e\n\u003cdiv class=\"tile\"\u003e\n\u003cdiv class=\"tile-cap\"\u003eAuto-populated graphs and charts based on your inputs\u003c\/div\u003e\n\u003cdiv class=\"tile-body\"\u003e\n\u003cdiv class=\"monitor\" role=\"img\"\u003e\n\u003cdiv class=\"screen\"\u003e\n\u003cdiv class=\"ss\"\u003e\n\u003cdiv class=\"ss-top\"\u003e\n\u003ci\u003e\u003c\/i\u003eBudget Sheet Template · Google Sheets\u003c\/div\u003e\n\u003cdiv class=\"ss-month\"\u003eJANUARY\u003c\/div\u003e\n\u003cdiv class=\"ss-grid\"\u003e\n\u003cdiv class=\"ss-kpi\"\u003e\n\u003cdiv\u003e\n\u003cspan\u003eIncome\u003c\/span\u003e\u003cb\u003e$4,850\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eExpenses\u003c\/span\u003e\u003cb\u003e$3,180\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eDebt\u003c\/span\u003e\u003cb\u003e$300\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eSavings\u003c\/span\u003e\u003cb\u003e$1,070\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ss-bars\"\u003e\n\u003cspan style=\"height: 92%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 84%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 34%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 30%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 18%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 22%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 46%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 41%;\"\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ss-kpi\"\u003e\n\u003cdiv\u003e\n\u003cspan\u003eExpected\u003c\/span\u003e\u003cb\u003e$3,250\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eActual\u003c\/span\u003e\u003cb\u003e$3,180\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eLeft\u003c\/span\u003e\u003cb\u003e$70\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan\u003eSaved\u003c\/span\u003e\u003cb\u003e22%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ss-donuts\"\u003e\n\u003csvg viewbox=\"0 0 36 36\"\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#F3E6F1\" stroke-width=\"7\"\u003e\u003c\/circle\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#F7B4EE\" stroke-width=\"7\" stroke-dasharray=\"58 82\" transform=\"rotate(-90 18 18)\"\u003e\u003c\/circle\u003e\u003c\/svg\u003e \u003csvg viewbox=\"0 0 36 36\"\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#FFCE82\" stroke-width=\"7\"\u003e\u003c\/circle\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#2E2A39\" stroke-width=\"7\" stroke-dasharray=\"22 82\" transform=\"rotate(-90 18 18)\"\u003e\u003c\/circle\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#FF9E8A\" stroke-width=\"7\" stroke-dasharray=\"18 82\" stroke-dashoffset=\"-22\" transform=\"rotate(-90 18 18)\"\u003e\u003c\/circle\u003e\u003c\/svg\u003e \u003csvg viewbox=\"0 0 36 36\"\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#FFF2C7\" stroke-width=\"7\"\u003e\u003c\/circle\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#FFCE82\" stroke-width=\"7\" stroke-dasharray=\"64 82\" transform=\"rotate(-90 18 18)\"\u003e\u003c\/circle\u003e\u003c\/svg\u003e \u003csvg viewbox=\"0 0 36 36\"\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#FDE7F8\" stroke-width=\"7\"\u003e\u003c\/circle\u003e\u003ccircle cx=\"18\" cy=\"18\" r=\"13\" fill=\"none\" stroke=\"#FFA58F\" stroke-width=\"7\" stroke-dasharray=\"40 82\" transform=\"rotate(-90 18 18)\"\u003e\u003c\/circle\u003e\u003c\/svg\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"padding: 0 8px 6px;\"\u003e\n\u003ctable class=\"ss-table\"\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth\u003eExpected\u003c\/th\u003e\n\u003cth\u003eActual\u003c\/th\u003e\n\u003cth\u003eDiff.\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRent\u003c\/td\u003e\n\u003ctd\u003e1,400\u003c\/td\u003e\n\u003ctd\u003e1,400\u003c\/td\u003e\n\u003ctd\u003e0\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGroceries\u003c\/td\u003e\n\u003ctd\u003e450\u003c\/td\u003e\n\u003ctd\u003e412\u003c\/td\u003e\n\u003ctd style=\"color: #23775a;\"\u003e+38\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransport\u003c\/td\u003e\n\u003ctd\u003e180\u003c\/td\u003e\n\u003ctd\u003e205\u003c\/td\u003e\n\u003ctd style=\"color: #b8453a;\"\u003e−25\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ss-tabs\"\u003e\n\u003cspan\u003eInstructions\u003c\/span\u003e\u003cb\u003eJan\u003c\/b\u003e\u003cspan\u003eFeb\u003c\/span\u003e\u003cspan\u003eMar\u003c\/span\u003e\u003cspan\u003eApr\u003c\/span\u003e\u003cspan\u003eMay\u003c\/span\u003e\u003cspan\u003eJun\u003c\/span\u003e\u003cspan\u003e…\u003c\/span\u003e\u003cspan\u003eYear\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"chin\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"stand\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"base\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"thumbs\"\u003e\n\u003cdiv class=\"tile\"\u003e\n\u003cdiv class=\"tile-cap sm\"\u003eYear-at-a-glance overview\u003c\/div\u003e\n\u003cdiv class=\"tile-body sm\"\u003e\n\u003cdiv class=\"tablet\" role=\"img\"\u003e\n\u003cdiv class=\"ss\"\u003e\n\u003cdiv class=\"ss-month\"\u003eYEARLY VIEW\u003c\/div\u003e\n\u003cdiv class=\"ss-bars\" style=\"height: 46px; margin: 6px;\"\u003e\n\u003cspan style=\"height: 60%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 72%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 55%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 80%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 66%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 90%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 70%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 84%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 62%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 76%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 88%;\"\u003e\u003c\/span\u003e\u003cspan style=\"height: 95%;\"\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"padding: 0 6px 6px;\"\u003e\n\u003ctable class=\"ss-table\"\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003cth\u003eMonth\u003c\/th\u003e\n\u003cth\u003eIn\u003c\/th\u003e\n\u003cth\u003eOut\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eJan\u003c\/td\u003e\n\u003ctd\u003e4,850\u003c\/td\u003e\n\u003ctd\u003e3,780\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFeb\u003c\/td\u003e\n\u003ctd\u003e4,850\u003c\/td\u003e\n\u003ctd\u003e3,610\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"tile\"\u003e\n\u003cdiv class=\"tile-cap sm\"\u003eIncome, expenses, debt \u0026amp; savings\u003c\/div\u003e\n\u003cdiv class=\"tile-body sm\"\u003e\n\u003cdiv class=\"tablet\" role=\"img\"\u003e\n\u003cdiv class=\"ss\"\u003e\n\u003cdiv class=\"ss-month\"\u003eBILLS \u0026amp; EXPENSES\u003c\/div\u003e\n\u003cdiv style=\"padding: 6px;\"\u003e\n\u003ctable class=\"ss-table\"\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003eExp.\u003c\/th\u003e\n\u003cth\u003eAct.\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePhone\u003c\/td\u003e\n\u003ctd\u003e45\u003c\/td\u003e\n\u003ctd\u003e45\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInternet\u003c\/td\u003e\n\u003ctd\u003e60\u003c\/td\u003e\n\u003ctd\u003e60\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGym\u003c\/td\u003e\n\u003ctd\u003e35\u003c\/td\u003e\n\u003ctd\u003e0\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCar loan\u003c\/td\u003e\n\u003ctd\u003e220\u003c\/td\u003e\n\u003ctd\u003e220\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSavings\u003c\/td\u003e\n\u003ctd\u003e400\u003c\/td\u003e\n\u003ctd\u003e450\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"tile-note\"\u003eIllustrative previews with example numbers\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c!-- Buy column --\u003e\n\u003cdiv class=\"info\" id=\"buy\"\u003e\n\u003cspan class=\"vendor\"\u003eArkeonic\u003c\/span\u003e\n\u003ch1\u003eBudget Sheet Template Google Sheets\u003c\/h1\u003e\n\u003cdiv class=\"price-row\"\u003e\n\u003cspan class=\"price-was\"\u003e$15.99 USD\u003c\/span\u003e \u003cspan class=\"price\"\u003e$12.00 USD\u003c\/span\u003e \u003cspan class=\"sale\"\u003eSale\u003c\/span\u003e \u003cspan class=\"save-note\"\u003eYou save $3.99. One-time payment, no subscription.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"label\"\u003eFormat\u003c\/div\u003e\n\u003cdiv class=\"format\"\u003e\n\u003cspan\u003eGoogle Sheets template\u003c\/span\u003e\u003csmall\u003eDigital download\u003c\/small\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cul class=\"bullets\"\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003e15 ready-to-use tabs, with a sheet for every month\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003eExpected vs. actual spending, side by side\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003eCharts fill in automatically. No formulas to write\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"ctas\"\u003e\n\u003c!-- REPLACE href with your add-to-cart \/ checkout URL --\u003e \u003ca class=\"btn btn--block\" href=\"#offer\" data-checkout=\"\"\u003eAdd to cart\u003c\/a\u003e \u003ca class=\"btn btn--block btn--dark\" href=\"#offer\" data-checkout=\"\"\u003eBuy it now · $12\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"trust\"\u003e\n\u003cspan\u003e\u003csvg viewbox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\"\u003e\u003cpath d=\"M8 1.5v9M4.5 7L8 10.5 11.5 7M2.5 13.5h11\"\u003e\u003c\/path\u003e\u003c\/svg\u003eInstant download\u003c\/span\u003e \u003cspan\u003e\u003csvg viewbox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\"\u003e\u003crect x=\"2.5\" y=\"4\" width=\"11\" height=\"8\" rx=\"1.5\"\u003e\u003c\/rect\u003e\u003cpath d=\"M6 14h4\"\u003e\u003c\/path\u003e\u003c\/svg\u003eDesktop, phone \u0026amp; tablet\u003c\/span\u003e \u003cspan\u003e\u003csvg viewbox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\"\u003e\u003cpath d=\"M8 1.5l5 2v4c0 3.2-2.2 5.6-5 7-2.8-1.4-5-3.8-5-7v-4z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e7-day guarantee\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"desc\"\u003e\n\u003cp\u003eIf you want a simple, straightforward way to budget, the \u003cb\u003eBudget Sheet Template for Google Sheets\u003c\/b\u003e has you covered. Track your monthly income, spending, savings and debt repayments in one place, and get a clear picture of your finances with graphs and charts that update on their own.\u003c\/p\u003e\n\u003cp\u003eTake charge of your money today and set yourself up for the financial future you want.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- PROBLEM --\u003e\n\u003csection class=\"pain\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eSound familiar?\u003c\/span\u003e\n\u003ch2\u003eYou earn enough. So why does the month end before the money does?\u003c\/h2\u003e\n\u003cp\u003eMost people don't have a money problem. They have a visibility problem.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid-auto\"\u003e\n\u003cdiv class=\"pain-card\"\u003e\n\u003cspan class=\"q\"\u003e“Where did it all go?”\u003c\/span\u003e\n\u003cp\u003eSmall purchases add up quietly, and by the 25th your account is lower than you expected.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pain-card\"\u003e\n\u003cspan class=\"q\"\u003e“I tried an app. I stopped.”\u003c\/span\u003e\n\u003cp\u003eBudget apps want bank logins, subscriptions and daily attention. Most get deleted within a month.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pain-card\"\u003e\n\u003cspan class=\"q\"\u003e“My spreadsheet broke.”\u003c\/span\u003e\n\u003cp\u003eA blank spreadsheet means writing formulas and building charts yourself. One wrong cell and the totals are off.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"pain-foot\"\u003eThis template gives you the structure, the math and the charts already done. \u003cb\u003eYou just add your numbers.\u003c\/b\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- TRANSFORMATION --\u003e\n\u003csection style=\"padding-top: 20px;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eWhat changes\u003c\/span\u003e\n\u003ch2\u003eFrom guessing to knowing, in a few minutes a week\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ba\"\u003e\n\u003cdiv class=\"ba-col before\"\u003e\n\u003ch3\u003eWithout a budget sheet\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cspan class=\"x\"\u003e✕\u003c\/span\u003e\u003cspan\u003eChecking your bank balance and hoping\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"x\"\u003e✕\u003c\/span\u003e\u003cspan\u003eSavings are whatever is left over, which is often nothing\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"x\"\u003e✕\u003c\/span\u003e\u003cspan\u003eDebt payments feel endless because you can't see progress\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"x\"\u003e✕\u003c\/span\u003e\u003cspan\u003eSide-hustle income disappears into everyday spending\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ba-col after\"\u003e\n\u003cdiv class=\"inner\"\u003e\n\u003ch3\u003eWith the Arkeonic budget template\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003eA clear plan for every dollar before the month starts\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003eSavings set aside on purpose, and tracked month by month\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003eDebt repayments logged so you can watch the balance shrink\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan class=\"tick\"\u003e\u003csvg viewbox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"\u003e\u003cpath d=\"M2 6.5l2.5 2.5L10 3.5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/span\u003e\u003cspan\u003eEvery income stream in one place, including side income\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- FEATURES --\u003e\n\u003csection style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eFeatures\u003c\/span\u003e\n\u003ch2\u003eEverything a monthly budget in Google Sheets should do\u003c\/h2\u003e\n\u003cp\u003eSimple on the surface, with the math handled underneath.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid-auto\"\u003e\n\u003carticle class=\"feat\"\u003e\n\u003cdiv class=\"feat-ico\"\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"\u003e\u003cpath d=\"M12 3v18M16.5 7.5c0-1.7-2-3-4.5-3s-4.5 1.3-4.5 3 2 2.6 4.5 3 4.5 1.3 4.5 3-2 3-4.5 3-4.5-1.3-4.5-3\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/div\u003e\n\u003ch3\u003eIncome tracking\u003c\/h3\u003e\n\u003cp\u003eLog your salary, freelance work and side-hustle income separately so you know what each one brings in.\u003c\/p\u003e\n\u003c\/article\u003e\n\u003carticle class=\"feat\"\u003e\n\u003cdiv class=\"feat-ico\"\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"\u003e\u003cpath d=\"M4 5h16v14H4zM4 9h16M8 13h3M8 16h6\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/div\u003e\n\u003ch3\u003eExpense categories\u003c\/h3\u003e\n\u003cp\u003eRecord bills and daily spending by category and see which ones take the biggest share each month.\u003c\/p\u003e\n\u003c\/article\u003e\n\u003carticle class=\"feat\"\u003e\n\u003cdiv class=\"feat-ico\"\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"\u003e\u003cpath d=\"M4 20V10M10 20V4M16 20v-7M22 20H2\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/div\u003e\n\u003ch3\u003eExpected vs. actual\u003c\/h3\u003e\n\u003cp\u003eSet what you plan to spend, enter what you really spent, and the difference is calculated for you.\u003c\/p\u003e\n\u003c\/article\u003e\n\u003carticle class=\"feat\"\u003e\n\u003cdiv class=\"feat-ico\"\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"\u003e\u003cpath d=\"M4 17l5-5 4 3 7-8M15 7h5v5\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/div\u003e\n\u003ch3\u003eDebt repayments\u003c\/h3\u003e\n\u003cp\u003eTrack what you pay toward cards, loans and other debt so your progress is visible.\u003c\/p\u003e\n\u003c\/article\u003e\n\u003carticle class=\"feat\"\u003e\n\u003cdiv class=\"feat-ico\"\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"\u003e\u003ccircle cx=\"12\" cy=\"12\" r=\"8\"\u003e\u003c\/circle\u003e\u003cpath d=\"M12 8v8M9 12h6\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/div\u003e\n\u003ch3\u003eSavings \u0026amp; investments\u003c\/h3\u003e\n\u003cp\u003eGive your savings goals their own lines and watch the total grow across the year.\u003c\/p\u003e\n\u003c\/article\u003e\n\u003carticle class=\"feat\"\u003e\n\u003cdiv class=\"feat-ico\"\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"\u003e\u003ccircle cx=\"12\" cy=\"12\" r=\"8\"\u003e\u003c\/circle\u003e\u003cpath d=\"M12 4v8l6 4\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\u003c\/div\u003e\n\u003ch3\u003eAuto-updating charts\u003c\/h3\u003e\n\u003cp\u003eGraphs fill in as you type, giving you an instant snapshot of your cash flow.\u003c\/p\u003e\n\u003c\/article\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- WHAT'S INSIDE --\u003e\n\u003csection style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap inside-grid\"\u003e\n\u003cdiv class=\"tab-board\"\u003e\n\u003cdiv class=\"tab-stack\"\u003e\n\u003cdiv class=\"tab-chip hl\"\u003eInstructions\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eJanuary\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eFebruary\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eMarch\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eApril\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eMay\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eJune\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eJuly\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eAugust\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eSeptember\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eOctober\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eNovember\u003c\/div\u003e\n\u003cdiv class=\"tab-chip\"\u003eDecember\u003c\/div\u003e\n\u003cdiv class=\"tab-chip alt\"\u003eYear overview\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"tab-key\"\u003e\n\u003cspan\u003e\u003ci style=\"background: var(--lemon-soft);\"\u003e\u003c\/i\u003eSetup guide\u003c\/span\u003e\u003cspan\u003e\u003ci style=\"background: var(--white);\"\u003e\u003c\/i\u003eMonthly tabs\u003c\/span\u003e\u003cspan\u003e\u003ci style=\"background: var(--apricot);\"\u003e\u003c\/i\u003eAnnual summary\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"included\"\u003e\n\u003cspan class=\"eyebrow\"\u003eWhat you get\u003c\/span\u003e\n\u003ch2\u003e15 tabs. One full year of budgeting.\u003c\/h2\u003e\n\u003cp\u003eA separate tab for each month keeps things tidy, while the yearly view adds everything up so you can see trends across months.\u003c\/p\u003e\n\u003cdl class=\"spec\"\u003e\n\u003cdt\u003eFormat\u003c\/dt\u003e\n\u003cdd\u003eGoogle Sheets template (digital download)\u003c\/dd\u003e\n\u003cdt\u003eDelivery\u003c\/dt\u003e\n\u003cdd\u003eInstant PDF with your template link\u003c\/dd\u003e\n\u003cdt\u003eRequires\u003c\/dt\u003e\n\u003cdd\u003eA free Google account\u003c\/dd\u003e\n\u003cdt\u003eWorks on\u003c\/dt\u003e\n\u003cdd\u003eComputer browser, plus the Google Sheets app on phone and tablet\u003c\/dd\u003e\n\u003cdt\u003eSetup\u003c\/dt\u003e\n\u003cdd\u003eBuilt-in instructions tab, ready in about 10 minutes\u003c\/dd\u003e\n\u003cdt\u003eAccess\u003c\/dt\u003e\n\u003cdd\u003eYour copy is yours to keep and reuse\u003c\/dd\u003e\n\u003c\/dl\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- HOW IT WORKS --\u003e\n\u003csection style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eHow it works\u003c\/span\u003e\n\u003ch2\u003eUp and running today\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid-auto\"\u003e\n\u003cdiv class=\"step\"\u003e\n\u003cspan class=\"step-n\"\u003e1\u003c\/span\u003e\n\u003ch3\u003eDownload\u003c\/h3\u003e\n\u003cp\u003eCheck out and your PDF arrives instantly, on screen and by email.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"step\"\u003e\n\u003cspan class=\"step-n\"\u003e2\u003c\/span\u003e\n\u003ch3\u003eMake your copy\u003c\/h3\u003e\n\u003cp\u003eClick the link in the PDF, choose “Make a copy,” and the template saves to your Google Drive.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"step\"\u003e\n\u003cspan class=\"step-n\"\u003e3\u003c\/span\u003e\n\u003ch3\u003eAdd your numbers\u003c\/h3\u003e\n\u003cp\u003eEnter your expected budget, then log actual spending as the month goes. The charts do the rest.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- WHO IT'S FOR --\u003e\n\u003csection style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eMade for\u003c\/span\u003e\n\u003ch2\u003ePeople who want control without complexity\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid-auto\"\u003e\n\u003cdiv class=\"who\"\u003e\n\u003cspan class=\"dot\"\u003e\u003c\/span\u003e\n\u003cdiv\u003e\n\u003cb\u003eFirst-time budgeters\u003c\/b\u003e\u003cspan\u003eYou want a starting point that isn't overwhelming.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"who\"\u003e\n\u003cspan class=\"dot\"\u003e\u003c\/span\u003e\n\u003cdiv\u003e\n\u003cb\u003eBusy professionals\u003c\/b\u003e\u003cspan\u003eA few minutes a week is all you can give it.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"who\"\u003e\n\u003cspan class=\"dot\"\u003e\u003c\/span\u003e\n\u003cdiv\u003e\n\u003cb\u003eFreelancers \u0026amp; side hustlers\u003c\/b\u003e\u003cspan\u003eYour income comes from more than one place.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"who\"\u003e\n\u003cspan class=\"dot\"\u003e\u003c\/span\u003e\n\u003cdiv\u003e\n\u003cb\u003eSavers \u0026amp; debt payers\u003c\/b\u003e\u003cspan\u003eYou have a goal and want to see yourself getting closer.\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- COMPARISON --\u003e\n\u003csection style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eCompare\u003c\/span\u003e\n\u003ch2\u003eWhy a Google Sheets budget template?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003ctable class=\"compare\"\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003e\u003c\/th\u003e\n\u003cth class=\"us\"\u003eThis template\u003c\/th\u003e\n\u003cth\u003eBudget apps\u003c\/th\u003e\n\u003cth\u003eBlank spreadsheet\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCost\u003c\/td\u003e\n\u003ctd class=\"us\" data-label=\"This template\"\u003e$12 once\u003c\/td\u003e\n\u003ctd data-label=\"Budget apps\"\u003eMonthly subscription\u003c\/td\u003e\n\u003ctd data-label=\"Blank spreadsheet\"\u003eFree\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBank login required\u003c\/td\u003e\n\u003ctd class=\"us\" data-label=\"This template\"\u003e\u003cspan class=\"yes\"\u003eNo\u003c\/span\u003e\u003c\/td\u003e\n\u003ctd data-label=\"Budget apps\"\u003eUsually\u003c\/td\u003e\n\u003ctd data-label=\"Blank spreadsheet\"\u003e\u003cspan class=\"yes\"\u003eNo\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFormulas \u0026amp; charts ready\u003c\/td\u003e\n\u003ctd class=\"us\" data-label=\"This template\"\u003e\u003cspan class=\"yes\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003ctd data-label=\"Budget apps\"\u003eYes\u003c\/td\u003e\n\u003ctd data-label=\"Blank spreadsheet\"\u003e\u003cspan class=\"no\"\u003eBuild it yourself\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFully customizable\u003c\/td\u003e\n\u003ctd class=\"us\" data-label=\"This template\"\u003e\u003cspan class=\"yes\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003ctd data-label=\"Budget apps\"\u003e\u003cspan class=\"no\"\u003eLimited\u003c\/span\u003e\u003c\/td\u003e\n\u003ctd data-label=\"Blank spreadsheet\"\u003eYes\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eData stays in your Drive\u003c\/td\u003e\n\u003ctd class=\"us\" data-label=\"This template\"\u003e\u003cspan class=\"yes\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003ctd data-label=\"Budget apps\"\u003e\u003cspan class=\"no\"\u003eStored by the app\u003c\/span\u003e\u003c\/td\u003e\n\u003ctd data-label=\"Blank spreadsheet\"\u003eYes\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- TESTIMONIALS (samples) --\u003e\n\u003csection class=\"pain\" id=\"reviews\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head\"\u003e\n\u003cspan class=\"eyebrow\"\u003eWhat a good month looks like\u003c\/span\u003e\n\u003ch2\u003eThe kind of results this template is built for\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"grid-auto\"\u003e\n\u003carticle class=\"t\"\u003e\u003cspan class=\"sample-tag\"\u003eSample testimonial\u003c\/span\u003e\n\u003ch3\u003e“A complete game-changer for my monthly planning.”\u003c\/h3\u003e\n\u003cp\u003e“I've tried dozens of finance apps and complicated spreadsheets, but this is the first one that actually stuck. Having 15 separate tabs makes organizing everything from my side-hustle income to daily expenses completely effortless. The visual charts give me an instant snapshot of where my money is going every month.”\u003c\/p\u003e\n\u003cfooter\u003e\u003cb\u003eMarcus Vance\u003c\/b\u003e\u003cspan\u003eSmall Business Owner\u003c\/span\u003e\u003c\/footer\u003e\u003c\/article\u003e\n\u003carticle class=\"t\"\u003e\u003cspan class=\"sample-tag\"\u003eSample testimonial\u003c\/span\u003e\n\u003ch3\u003e“Incredibly intuitive and beautifully designed.”\u003c\/h3\u003e\n\u003cp\u003e“As someone who isn't a spreadsheet wizard, I was worried I'd get lost in the data. The built-in instructions guide made setup a breeze, and I love seeing the auto-populated graphs update in real-time as I log my actual expenses versus my expected budget.”\u003c\/p\u003e\n\u003cfooter\u003e\u003cb\u003eChloe Dupont\u003c\/b\u003e\u003cspan\u003eGraphic Designer\u003c\/span\u003e\u003c\/footer\u003e\u003c\/article\u003e\n\u003carticle class=\"t\"\u003e\u003cspan class=\"sample-tag\"\u003eSample testimonial\u003c\/span\u003e\n\u003ch3\u003e“Finally hit my savings goals!”\u003c\/h3\u003e\n\u003cp\u003e“The structured layout for tracking debt repayments and savings\/investments completely transformed my financial habits. Being able to compare expected vs. actual numbers side-by-side keeps me accountable without feeling overwhelmed. Worth every single penny.”\u003c\/p\u003e\n\u003cfooter\u003e\u003cb\u003eDavid Chen\u003c\/b\u003e\u003cspan\u003eSoftware Engineer\u003c\/span\u003e\u003c\/footer\u003e\u003c\/article\u003e\n\u003c\/div\u003e\n\u003cp class=\"sample-note\"\u003eThese are sample testimonials for layout purposes and are not reviews from verified customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- OFFER --\u003e\n\u003csection id=\"offer\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"offer-box\"\u003e\n\u003cdiv style=\"display: grid; gap: 14px;\"\u003e\n\u003cspan class=\"eyebrow\" style=\"color: var(--plum);\"\u003eStart this month\u003c\/span\u003e\n\u003ch2\u003eTake charge of your finances for less than one takeout lunch\u003c\/h2\u003e\n\u003cp\u003eOne small purchase, a full year of clarity. Set it up tonight and start next month with a plan.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"offer-card\"\u003e\n\u003cul class=\"stack\"\u003e\n\u003cli\u003e\n\u003cspan\u003eGoogle Sheets budget template (15 tabs)\u003c\/span\u003e\u003cspan\u003eIncluded\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003e12 monthly sheets + year overview\u003c\/span\u003e\u003cspan\u003eIncluded\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eAuto-updating charts \u0026amp; totals\u003c\/span\u003e\u003cspan\u003eIncluded\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eStep-by-step instructions guide\u003c\/span\u003e\u003cspan\u003eIncluded\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"price-row\"\u003e\n\u003cspan class=\"price-was\"\u003e$15.99 USD\u003c\/span\u003e \u003cspan class=\"price\"\u003e$12.00 USD\u003c\/span\u003e \u003cspan class=\"sale\"\u003eSale\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c!-- REPLACE href with your add-to-cart \/ checkout URL --\u003e \u003ca class=\"btn btn--block\" href=\"#offer\" data-checkout=\"\"\u003eGet instant access\u003c\/a\u003e\n\u003cdiv class=\"guarantee\"\u003e\n\u003cdiv class=\"seal\"\u003e7\u003csmall\u003eday\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cb\u003e7-Day Money-Back Guarantee.\u003c\/b\u003e Try it for 7 days. If it's not right for you, contact us within 7 days for a refund.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- FAQ --\u003e\n\u003csection id=\"faq\" style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"section-head center\"\u003e\n\u003cspan class=\"eyebrow\"\u003eFAQ\u003c\/span\u003e\n\u003ch2\u003eQuestions before you buy\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"faq\"\u003e\n\u003cdetails\u003e\n\u003csummary\u003eDo I need Excel or any paid software?\u003c\/summary\u003e\n\u003cp\u003eNo. The template runs in Google Sheets, which is free with any Google account. It works in your browser and in the Google Sheets app on phone and tablet.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs this a Google Docs budget template?\u003c\/summary\u003e\n\u003cp\u003eIt's built in Google Sheets, the spreadsheet app in Google's Docs Editors suite. Many people search for a Google Docs budget template, but a spreadsheet is what makes the automatic totals and charts possible.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eHow do I get the template after I buy?\u003c\/summary\u003e\n\u003cp\u003eYou get an instant download with a PDF guide. Click the link inside, choose “Make a copy,” and the budget sheet is saved to your own Google Drive.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eI'm not good with spreadsheets. Will I be able to use it?\u003c\/summary\u003e\n\u003cp\u003eYes. You only type in your numbers. All formulas, totals and charts are already built, and an instructions tab walks you through setup.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs my financial data private?\u003c\/summary\u003e\n\u003cp\u003eYes. Your copy lives in your own Google Drive. We never see it, and it never connects to your bank.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eCan I change the categories?\u003c\/summary\u003e\n\u003cp\u003eYes. Rename categories to match your life, and the totals and charts follow along.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs this a physical product?\u003c\/summary\u003e\n\u003cp\u003eNo. It's a digital download. Nothing will be shipped.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhat if it's not right for me?\u003c\/summary\u003e\n\u003cp\u003eTry it for 7 days. If it's not right for you, contact us within 7 days for a refund.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- FINAL CTA + SEO copy --\u003e\n\u003csection class=\"final\" style=\"padding-top: 0;\"\u003e\n\u003cdiv class=\"wrap\"\u003e\n\u003cdiv class=\"inner\"\u003e\n\u003ch2\u003eYour next month can be your most organized one yet\u003c\/h2\u003e\n\u003cp\u003eGet the budget sheet template for Google Sheets and see where every dollar goes.\u003c\/p\u003e\n\u003ca class=\"btn\" href=\"#offer\" data-checkout=\"\"\u003eGet the template · $12\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"seo-copy\"\u003e\n\u003ch2\u003eA monthly budget template for Google Sheets that stays simple\u003c\/h2\u003e\n\u003cp\u003eLooking for a Google Sheets monthly budget that you'll actually keep using? This budget template for Google Sheets gives you a clean monthly layout, expected vs. actual columns and charts that update on their own. It's an easy alternative to a budget Google Doc template, because Google Sheets does the math for you.\u003c\/p\u003e\n\u003cp\u003eEach month has its own tab, so your monthly budget in Google Sheets stays organized all year, and the year overview shows the bigger picture. Whether you're paying down debt, building savings or managing freelance income, this Google Sheets budget template keeps it all in one place.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/main\u003e\n\u003cdiv class=\"sticky\" role=\"region\"\u003e\n\u003cdiv class=\"p\"\u003e$12.00\u003cs\u003e$15.99\u003c\/s\u003e\u003csmall\u003eInstant download · 7-day guarantee\u003c\/small\u003e\n\u003c\/div\u003e\n\u003ca class=\"btn\" href=\"#offer\" data-checkout=\"\"\u003eBuy now\u003c\/a\u003e\n\u003c\/div\u003e","brand":"ARKEONIC","offers":[{"title":"Default Title","offer_id":52950651568415,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/month_to_month_budget_spreadsheet.webp?v=1791745314"},{"product_id":"simple-profit-and-loss-statement-template","title":"Simple profit and loss statement template","description":"\u003cstyle\u003e\n.abs,.abs-sticky{--navy:#1E2340;--lav:#8E83D6;--lavd:#6E62C2;--lavl:#EEEBF9;--bg:#F7F5FC;--grey:#555872;color:var(--navy);line-height:1.6;font-size:16px}\n.abs{container-type:inline-size}\n.abs *{box-sizing:border-box}\n.abs h2{font-size:24px;line-height:1.25;margin:0 0 10px;color:var(--navy)}\n.abs h2.main{font-size:26px}\n.abs h3{font-size:19px;line-height:1.3;margin:0 0 8px;color:var(--navy)}\n.abs p{margin:0 0 12px}\n.abs a{color:var(--lavd)}\n.abs .lead{font-weight:700;font-size:18px;text-transform:uppercase;letter-spacing:.2px}\n.abs .tag{display:inline-block;background:var(--lavl);color:var(--lavd);font-weight:700;font-size:12px;letter-spacing:1px;text-transform:uppercase;border-radius:999px;padding:4px 12px;margin-bottom:8px}\n\/* auto sliding gallery *\/\n.abs-gal{overflow:hidden;margin:18px 0 26px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}\n.abs-track{display:flex;gap:14px;width:max-content;animation:absslide 45s linear infinite}\n.abs-gal:hover .abs-track{animation-play-state:paused}\n.abs-track img{width:420px;height:auto;aspect-ratio:16\/10;object-fit:cover;border-radius:14px;box-shadow:0 6px 22px rgba(30,35,64,.10);display:block}\n@keyframes absslide{from{transform:translateX(0)}to{transform:translateX(calc(-50% - 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Built for small businesses, freelancers and Etsy sellers, it works in \u003cstrong\u003eExcel and Google Sheets\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003c!-- auto sliding images (list is repeated once for a seamless loop) --\u003e\n\u003cdiv class=\"abs-gal\"\u003e\u003cdiv class=\"abs-track\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-profit-and-loss-statement-excel-template.webp?v=1793635930\" alt=\"Profit and loss statement Excel template for Excel and Google Sheets\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/02-whats-included-profit-and-loss-template.webp?v=1793635929\" alt=\"What's included in the profit and loss template\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/09-works-in-excel-and-google-sheets.webp?v=1793635930\" alt=\"P\u0026amp;L template working in Excel and Google Sheets on any device\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/10-how-it-works-instant-download.webp?v=1793635929\" alt=\"How it works: instant download profit and loss template\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-profit-and-loss-statement-excel-template.webp?v=1793635930\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/02-whats-included-profit-and-loss-template.webp?v=1793635929\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/09-works-in-excel-and-google-sheets.webp?v=1793635930\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/10-how-it-works-instant-download.webp?v=1793635929\" alt=\"\" loading=\"lazy\"\u003e\n\u003c\/div\u003e\u003c\/div\u003e\n\n\u003ch2\u003eWhy Business Owners Love This P\u0026amp;L Template\u003c\/h2\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eNo accounting skills needed:\u003c\/strong\u003e log a sale or expense, pick a category, done.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eEvery month automatic:\u003c\/strong\u003e revenue, gross profit and net profit fill in for you.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eBudget vs actual:\u003c\/strong\u003e see where you're on track and where you're overspending.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003ePrintable statement:\u003c\/strong\u003e a clean P\u0026amp;L for your bank, loan or accountant.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003ePay once, use every year:\u003c\/strong\u003e no subscription, any fiscal year start.\u003c\/p\u003e\n\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/03-monthly-profit-and-loss-statement.webp?v=1793635929\" alt=\"Monthly profit and loss statement template with gross and net profit\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eMonthly P\u0026amp;L\u003c\/span\u003e\n\u003ch3\u003eYour P\u0026amp;L, done for you\u003c\/h3\u003e\n\u003cp\u003eEvery month fills itself in from your transactions.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRevenue and cost of goods sold\u003c\/li\u003e\n\u003cli\u003eGross, operating and net profit\u003c\/li\u003e\n\u003cli\u003eMargins for every month\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/04-income-and-expense-tracker.webp?v=1793635929\" alt=\"Income and expense tracker spreadsheet\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eTransactions\u003c\/span\u003e\n\u003ch3\u003eLog income and expenses in seconds\u003c\/h3\u003e\n\u003cp\u003ePick a category and the type, month and quarter fill in.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSimple date, category, amount log\u003c\/li\u003e\n\u003cli\u003eAuto income or expense type\u003c\/li\u003e\n\u003cli\u003eDuplicate entries flagged\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/05-profit-and-loss-dashboard.webp?v=1793635929\" alt=\"Small business profit and loss dashboard\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eDashboard\u003c\/span\u003e\n\u003ch3\u003eYour profit at a glance\u003c\/h3\u003e\n\u003cp\u003eSee your totals, best month and biggest costs.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRevenue, gross and net profit\u003c\/li\u003e\n\u003cli\u003eRevenue vs expenses chart\u003c\/li\u003e\n\u003cli\u003eTop 5 expenses\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/06-budget-vs-actual-small-business.webp?v=1793635929\" alt=\"Budget vs actual spreadsheet for small business\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eBudget vs actual\u003c\/span\u003e\n\u003ch3\u003ePlan and compare every month\u003c\/h3\u003e\n\u003cp\u003eSet a budget per category and see where you're over.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAny month, quarter or full year\u003c\/li\u003e\n\u003cli\u003eVariance in $ and %\u003c\/li\u003e\n\u003cli\u003eGreen on track, red over budget\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/08-printable-profit-and-loss-statement.webp?v=1793635929\" alt=\"Printable profit and loss statement\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003ePrintable P\u0026amp;L\u003c\/span\u003e\n\u003ch3\u003eReady for your bank or accountant\u003c\/h3\u003e\n\u003cp\u003ePick a period and print a clean one page statement.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAny month, quarter or the full year\u003c\/li\u003e\n\u003cli\u003eYour business name on top\u003c\/li\u003e\n\u003cli\u003eGross and net margin included\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cp\u003eStop guessing if your business is making money. Know your real profit every month. 💜\u003c\/p\u003e\n\n\u003c!-- internal links to related products --\u003e\n\u003ch2\u003eMore Spreadsheet Templates from ARKEONIC\u003c\/h2\u003e\n\u003cdiv class=\"abs-rel\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/product-pricing-calculator-excel-template\"\u003eProduct Pricing Calculator Excel Template\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eKnow your true cost, every marketplace fee and the price that hits your profit margin.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/product-pricing-calculator-excel-template\"\u003eSee the Pricing Calculator\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/life-planner-bundle-for-budget-tracker-template\"\u003eLife Planner Bundle with Budget Tracker\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eBudget planner, habit tracker, task tracker and life planner in one bundle.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/life-planner-bundle-for-budget-tracker-template\"\u003eSee the Life Planner Bundle\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/monthly-budget-spreadsheet-for-google-sheets\"\u003eMonthly Budget Spreadsheet for Google Sheets\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eTrack income, spending, bills, debt and savings with an automatic budget.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/monthly-budget-spreadsheet-for-google-sheets\"\u003eSee the Monthly Budget Spreadsheet\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/budget-sheet-template-google-sheets\"\u003eBudget Sheet Template for Google Sheets\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eA simple budget planner with 12 monthly tabs and a year overview.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/budget-sheet-template-google-sheets\"\u003eSee the Budget Sheet Template\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- dropdown questions --\u003e\n\u003ch2\u003eProfit and Loss Template FAQ\u003c\/h2\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhat You'll Receive\u003c\/summary\u003e\n\u003cdiv\u003e\u003cul class=\"abs-recv\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eExcel file (.xlsx):\u003c\/strong\u003e the full Profit and Loss Statement Template\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePDF guide\u003c\/strong\u003e with your Google Sheets copy link and setup steps\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart Here:\u003c\/strong\u003e how to use every tab in a few minutes\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard:\u003c\/strong\u003e revenue, gross profit, net profit, best month, top 5 expenses and charts\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTransactions:\u003c\/strong\u003e log income and expenses with automatic type, month and quarter\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly P\u0026amp;L:\u003c\/strong\u003e 12 months of revenue, cost of goods, gross profit, expenses and net profit\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eQuarterly \u0026amp; Annual:\u003c\/strong\u003e Q1 to Q4, full year and year over year comparison\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBudget vs Actual:\u003c\/strong\u003e monthly budgets with variance and status\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eP\u0026amp;L Statement:\u003c\/strong\u003e printable statement for any month, quarter or year\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSettings:\u003c\/strong\u003e business name, fiscal year start and your own categories\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExample data\u003c\/strong\u003e so you can see how everything works before you start\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eHow do I access my template?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eRight after checkout you can download your Excel file and PDF guide, and we email you the link too. Open the Excel file, or click the Google Sheets copy link inside the PDF. This is a digital product; nothing physical will ship.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eDoes it work in Excel and Google Sheets?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYes. It works in Excel 2019, Excel 2021 and Microsoft 365 on Windows or Mac, and in Google Sheets with a free Google account. It is not made for Apple Numbers.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eDo I need accounting skills?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eNo. You only log your sales and expenses with a category and an amount. Every formula is built in, and the PDF guide walks you through setup.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eCan I start my year in any month?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYes. Choose the month your fiscal year starts in Settings and every tab follows it automatically.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eCan I print or share the P\u0026amp;L with my accountant or bank?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYes. The P\u0026amp;L Statement tab gives you a clean one page statement for any month, quarter or the full year. Print it or save it as a PDF.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eCan I use it again next year?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYes. Save a copy, clear the transactions and change the year in Settings. Pay once, use it every year.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eWhat if it's not right for me?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYou're covered by our 7-day money-back guarantee. 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Set a budget for each category, log what you spend, and your 12 monthly budgets roll up into one annual dashboard automatically. See where your money goes, pay off debt and grow your savings, all in one free Google Sheet you can open on any device.\u003c\/p\u003e\n\n\u003c!-- auto sliding images (list is repeated once for a seamless loop) --\u003e\n\u003cdiv class=\"abs-gal\"\u003e\u003cdiv class=\"abs-track\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-complete-finance-dashboard-annual-budget-system.png?v=1793294612\" alt=\"Monthly budget spreadsheet for Google Sheets with annual finance dashboard\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/02-whats-included-annual-budget-system.png?v=1793294612\" alt=\"What's included in the monthly budget spreadsheet: 23 tabs in one Google Sheet\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/08-debt-snowball-payoff-planner.webp?v=1793294611\" alt=\"Debt snowball payoff planner in Google Sheets\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/09-savings-goals-net-worth-tracker.webp?v=1793294611\" alt=\"Savings goals and net worth tracker spreadsheet\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/10-works-on-any-device-google-sheets.webp?v=1793294612\" alt=\"Budget spreadsheet working on computer, phone and tablet in Google Sheets\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/11-how-it-works-instant-download.webp?v=1793294611\" alt=\"How the budget spreadsheet works: instant download and copy to Google Drive\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-complete-finance-dashboard-annual-budget-system.png?v=1793294612\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/02-whats-included-annual-budget-system.png?v=1793294612\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/08-debt-snowball-payoff-planner.webp?v=1793294611\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/09-savings-goals-net-worth-tracker.webp?v=1793294611\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/10-works-on-any-device-google-sheets.webp?v=1793294612\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/11-how-it-works-instant-download.webp?v=1793294611\" alt=\"\" loading=\"lazy\"\u003e\n\u003c\/div\u003e\u003c\/div\u003e\n\n\u003ch2\u003eWhy You'll Love This Google Sheets Budget Template\u003c\/h2\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eMonthly budget tracker:\u003c\/strong\u003e 12 monthly tabs show budget vs actual for every category, January to December.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eAnnual finance dashboard:\u003c\/strong\u003e your monthly budgets roll up into one clear yearly view of income, expenses and savings.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eAll the math done for you:\u003c\/strong\u003e type in your numbers and totals, percentages and charts update on their own.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eBills on autopilot:\u003c\/strong\u003e add a recurring payment once and it fills your bill calendar for the whole year.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eDebt, savings and net worth trackers\u003c\/strong\u003e keep you motivated as balances drop and savings grow.\u003c\/p\u003e\n\n\u003c!-- section: monthly budget --\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/04-monthly-budget-spreadsheet.png?v=1793294612\" alt=\"Monthly budget spreadsheet tab with budget vs actual charts in Google Sheets\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eMonthly budget\u003c\/span\u003e\n\u003ch3\u003eA monthly budget spreadsheet that fills itself in\u003c\/h3\u003e\n\u003cp\u003eSet a budget for every category, then watch your spending land in the right month automatically.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eBudget vs actual charts every month\u003c\/li\u003e\n\u003cli\u003eYour top 5 spending categories, ranked\u003c\/li\u003e\n\u003cli\u003eZero based or carried over budgets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: annual dashboard --\u003e\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-complete-finance-dashboard-annual-budget-system.webp?v=1793294611\" alt=\"Annual budget dashboard with monthly budget, debt payoff, bill calendar and net worth\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eAnnual dashboard\u003c\/span\u003e\n\u003ch3\u003eEvery month adds up to your whole money year\u003c\/h3\u003e\n\u003cp\u003eEach monthly budget, payment and debt feeds the Annual Dashboard automatically, so you always know where you stand.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eIncome vs expenses for all 12 months\u003c\/li\u003e\n\u003cli\u003eBudget vs actual by category\u003c\/li\u003e\n\u003cli\u003eSavings rate and payments due\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: automations --\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/06-recurring-payments-automation.png?v=1793294611\" alt=\"Recurring bills and payments tracker in a Google Sheets budget\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eAutomations\u003c\/span\u003e\n\u003ch3\u003eRecurring bills tracker: set payments once\u003c\/h3\u003e\n\u003cp\u003eAdd your paycheck, rent, phone or subscriptions one time and they repeat on schedule in every monthly budget.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e9 frequencies, from weekly to yearly\u003c\/li\u003e\n\u003cli\u003eTick when paid and your balance updates\u003c\/li\u003e\n\u003cli\u003eChange the year and everything rolls forward\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: savings and net worth --\u003e\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/09-savings-goals-net-worth-tracker.png?v=1793294612\" alt=\"Savings goals tracker and net worth tracker in Google Sheets\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eSavings \u0026amp; net worth\u003c\/span\u003e\n\u003ch3\u003eSavings goals and net worth tracker\u003c\/h3\u003e\n\u003cp\u003eGive every goal a target and a date, and see your net worth climb month by month.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eProgress bars and amount needed per month\u003c\/li\u003e\n\u003cli\u003eWhat you own and owe, every month\u003c\/li\u003e\n\u003cli\u003eNet worth growth chart for the year\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: any device --\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/10-works-on-any-device-google-sheets.png?v=1793294612\" alt=\"Google Sheets budget spreadsheet on computer, phone and tablet\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eAny device\u003c\/span\u003e\n\u003ch3\u003eBudget in Google Sheets, anywhere\u003c\/h3\u003e\n\u003cp\u003eYour monthly budget lives in Google Sheets, so it's free to use with your Google account and syncs everywhere.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eComputer, phone and tablet\u003c\/li\u003e\n\u003cli\u003eNo app or subscription needed\u003c\/li\u003e\n\u003cli\u003eYour data stays in your own Google Drive\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cp\u003eStop guessing where your money goes and start making confident money decisions. \u003cstrong\u003eYour best financial year starts here!\u003c\/strong\u003e 💜\u003c\/p\u003e\n\n\u003c!-- internal links to related products --\u003e\n\u003ch2\u003eMore Budget Templates from ARKEONIC\u003c\/h2\u003e\n\u003cdiv class=\"abs-rel\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/budget-sheet-template-google-sheets\"\u003eBudget Sheet Template for Google Sheets\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eA simple budget planner with 12 monthly tabs and a year overview. Great if you want expected vs actual tracking without extra tools.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/budget-sheet-template-google-sheets\"\u003eSee the Budget Sheet Template\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/life-planner-bundle-for-budget-tracker-template\"\u003eLife Planner Bundle with Budget Tracker Template\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eYour budget tracker plus a habit tracker, task tracker and life planner in one bundle for Excel and Google Sheets.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/life-planner-bundle-for-budget-tracker-template\"\u003eSee the Life Planner Bundle\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- dropdown questions --\u003e\n\u003ch2\u003eMonthly Budget Spreadsheet FAQ\u003c\/h2\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhat You'll Receive\u003c\/summary\u003e\n\u003cdiv\u003e\u003cul class=\"abs-recv\"\u003e\n\u003cli\u003e\n\u003cstrong\u003ePDF access guide\u003c\/strong\u003e with your link to copy the spreadsheet into your Google account (Google Sheets only, not compatible with Excel or Numbers)\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart Here + Settings:\u003c\/strong\u003e quick setup for your year, currency and categories\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAnnual Dashboard:\u003c\/strong\u003e income vs expenses, budget vs actual, savings rate and payments due\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYear Overview:\u003c\/strong\u003e all 12 months side by side\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e12 Monthly Budgets:\u003c\/strong\u003e January to December, with charts and top 5 spending\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTransaction Log:\u003c\/strong\u003e log spending in seconds with auto categories and duplicate alerts\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAutomations (recurring payments):\u003c\/strong\u003e set bills and income once, 9 frequencies\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRecurring Payment Log:\u003c\/strong\u003e tick each payment when it's paid\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAutomated Bill Calendar:\u003c\/strong\u003e colour coded, with weekly overview and live balance\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff Planner:\u003c\/strong\u003e snowball or avalanche, payoff schedule and debt free date\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings Goals Tracker:\u003c\/strong\u003e progress bars and monthly amount needed\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNet Worth Tracker:\u003c\/strong\u003e what you own and owe, month by month\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExample data\u003c\/strong\u003e so you can see how everything works before you start\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eHow do I access my monthly budget spreadsheet?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eRight after checkout you'll receive an email with your PDF. Click the link inside, make your copy in Google Sheets and start budgeting in minutes. This is a digital product; nothing physical will ship.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eDo I need Excel or any paid software?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eNo. It works in Google Sheets, which is free with a Google account, on your computer, phone or tablet. It is not made for Excel or Numbers.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eDo I need spreadsheet skills?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eNot at all. Every formula is already built in. You only type your numbers and pick from dropdowns; the dashboard and charts do the rest.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eCan I use it again next year?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYes. Change the year in Settings and your calendar and recurring payments roll forward. Pay once, keep it forever.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eWhich budget template is right for me?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eChoose this \u003cstrong\u003eMonthly Budget Spreadsheet for Google Sheets\u003c\/strong\u003e for full monthly and yearly money tracking with bills, debt, savings and net worth. Want something simpler? Try the \u003ca href=\"\/products\/budget-sheet-template-google-sheets\"\u003eBudget Sheet Template for Google Sheets\u003c\/a\u003e. Want to organize habits, tasks and goals too? Get the \u003ca href=\"\/products\/life-planner-bundle-for-budget-tracker-template\"\u003eLife Planner Bundle\u003c\/a\u003e.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cdetails\u003e\n\u003csummary\u003eWhat if it's not right for me?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYou're covered by our 7-day money-back guarantee. Just reply to your order email.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cp style=\"margin-top:16px\"\u003e\u003cem\u003eThis spreadsheet is for informational purposes only and is not personalized financial advice.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003c!-- sticky add to cart bar --\u003e\n\u003cdiv class=\"abs-sticky\" id=\"absSticky\"\u003e\n\u003cdiv class=\"t\"\u003eMonthly Budget Spreadsheet\u003cspan\u003e$12\u003c\/span\u003e\n\u003c\/div\u003e\n\u003ca href=\"#\" id=\"absAdd\"\u003eAdd To Cart\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cscript\u003e\n(function(){\n  var bar=document.getElementById('absSticky'),btn=document.getElementById('absAdd');\n  if(!bar||!btn)return;\n  document.body.appendChild(bar);\n  var form=document.querySelector('form[action*=\"\/cart\/add\"]');\n  var mainBtn=form\u0026\u0026form.querySelector('[type=\"submit\"],button[name=\"add\"]');\n  function check(){\n    var show=true;\n    if(mainBtn){var r=mainBtn.getBoundingClientRect();show=r.bottom\u003c0||r.top\u003ewindow.innerHeight;}\n    bar.classList.toggle('show',show\u0026\u0026window.scrollY\u003e300);\n  }\n  window.addEventListener('scroll',check,{passive:true});check();\n  btn.addEventListener('click',function(e){\n    e.preventDefault();\n    var idEl=form\u0026\u0026form.querySelector('[name=\"id\"]');\n    if(!idEl){window.scrollTo({top:0,behavior:'smooth'});return;}\n    btn.textContent='Adding...';\n    fetch('\/cart\/add.js',{method:'POST',headers:{'Content-Type':'application\/json'},\n      body:JSON.stringify({items:[{id:Number(idEl.value),quantity:1}]})})\n      .then(function(){window.location.href='\/cart';})\n      .catch(function(){btn.textContent='Add To Cart';form.submit();});\n  });\n})();\n\u003c\/script\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How do I access my monthly budget spreadsheet?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Right after checkout you'll receive an email with your PDF. Click the link inside, make your copy in Google Sheets and start budgeting in minutes. This is a digital product; nothing physical will ship.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need Excel or any paid software?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. It works in Google Sheets, which is free with a Google account, on your computer, phone or tablet. It is not made for Excel or Numbers.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need spreadsheet skills?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Not at all. Every formula is already built in. You only type your numbers and pick from dropdowns; the dashboard and charts do the rest.\"}}, {\"@type\": \"Question\", \"name\": \"Can I use it again next year?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Change the year in Settings and your calendar and recurring payments roll forward. Pay once, keep it forever.\"}}, {\"@type\": \"Question\", \"name\": \"Which budget template is right for me?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Choose this Monthly Budget Spreadsheet for Google Sheets for full monthly and yearly money tracking with bills, debt, savings and net worth. Want something simpler? Try the Budget Sheet Template for Google Sheets. Want to organize habits, tasks and goals too? Get the Life Planner Bundle.\"}}, {\"@type\": \"Question\", \"name\": \"What if it's not right for me?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"You're covered by our 7-day money-back guarantee. Just reply to your order email.\"}}]}\u003c\/script\u003e","brand":"ARKEONIC","offers":[{"title":"Default Title","offer_id":53081039503647,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/11-how-it-works-instant-download.webp?v=1793294611"},{"product_id":"debt-snowball-spreadsheet-for-google-sheets","title":"Debt Snowball Spreadsheet for Google Sheets","description":"\u003c!--\n============================================================\n  ARKEONIC | Product landing page  v2\n  Debt Snowball Spreadsheet for Google Sheets\n------------------------------------------------------------\n  INSTALL (use this method, it keeps the styling and sliders)\n  1. Online Store \u003e Themes \u003e Customize\n  2. Open the product page template\n  3. Add section \u003e Custom Liquid\n  4. Paste this whole file, drag it under the buy box, Save\n------------------------------------------------------------\n  SEARCH FOR \"EDIT:\" TO FIND WHAT TO REPLACE\n  Primary keyword:   debt snowball spreadsheet for google sheets\n  Secondary:         debt payoff spreadsheet google sheets,\n                     debt snowball calculator spreadsheet,\n                     debt payoff spreadsheet\n============================================================\n--\u003e\n\n\u003cstyle\u003e\n  .ark-lp{--blue:#1B4FD8;--blue-dark:#153FAD;--ink:#101828;--body:#3D4655;--grey:#F0F1F2;\n    --line:#E4E7EC;--green:#22A251;--black:#0A0A0A;\n    font-family:inherit;color:var(--body);line-height:1.65;-webkit-font-smoothing:antialiased;}\n  .ark-lp *{box-sizing:border-box;}\n  .ark-wrap{max-width:1100px;margin:0 auto;padding:0 20px;}\n  .ark-lp h2{font-size:34px;line-height:1.2;color:var(--ink);font-weight:800;margin:0 0 14px;letter-spacing:-.01em;}\n  .ark-lp p{margin:0 0 14px;font-size:16.5px;}\n  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.ark-black{background:var(--black);color:#fff;}\n  .ark-black h2{color:#fff;}\n  .ark-black .ark-eyebrow{color:#fff;opacity:.72;}\n  .ark-wave{display:block;width:100%;height:70px;}\n\n  .ark-faq{max-width:860px;margin:26px auto 0;}\n  .ark-faq details{border-bottom:1px solid rgba(255,255,255,.18);}\n  .ark-faq summary{cursor:pointer;list-style:none;padding:22px 46px 22px 4px;font-weight:600;font-size:18px;\n    color:#fff;position:relative;}\n  .ark-faq summary::-webkit-details-marker{display:none;}\n  .ark-faq summary:after{content:\"\";position:absolute;right:8px;top:26px;width:11px;height:11px;\n    border-right:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(45deg);transition:transform .2s;}\n  .ark-faq details[open] summary:after{transform:rotate(-135deg);top:31px;}\n  .ark-faq .ark-a{padding:0 20px 24px 4px;font-size:16px;color:rgba(255,255,255,.78);}\n  .ark-faq .ark-a p{margin:0;}\n\n  \/* ---------- facebook posts ---------- *\/\n  .ark-fb__card{background:#fff;border-radius:10px;padding:18px 20px;font-size:15px;height:100%;\n    box-shadow:0 2px 12px rgba(0,0,0,.3);}\n  \/* theme override guards: many themes force img{margin:0 auto} which centres the avatar *\/\n  .ark-lp img{margin:0;max-width:100%;height:auto;}\n  .ark-lp .ark-fb__card{text-align:left;}\n  .ark-lp .ark-fb__top{display:flex !important;flex-direction:row !important;align-items:flex-start !important;\n    justify-content:flex-start !important;gap:10px;margin-bottom:12px;text-align:left !important;}\n  .ark-lp .ark-fb__ava{width:40px !important;height:40px !important;min-width:40px;max-width:40px;\n    border-radius:50% !important;flex:0 0 40px !important;object-fit:cover;display:block !important;\n    margin:0 !important;padding:0;}\n  .ark-lp .ark-fb__who{min-width:0;margin:0 auto 0 0 !important;text-align:left !important;flex:1 1 auto;}\n  .ark-lp .ark-fb__name{font-weight:700;color:#050505;font-size:15px;display:flex !important;\n    align-items:center;justify-content:flex-start !important;gap:5px;line-height:1.25;text-align:left;}\n  .ark-lp .ark-fb__time{font-size:12.5px;color:#65676B;line-height:1.3;margin-top:1px;text-align:left;}\n  .ark-fb__more{flex:0 0 auto;color:#65676B;font-size:18px;font-weight:700;letter-spacing:1px;line-height:1;padding-top:4px;}\n  .ark-lp .ark-fb__verified{width:14px !important;height:14px !important;min-width:14px;flex:0 0 14px;margin:0 !important;}\n  .ark-lp .ark-fb__txt{font-style:italic;color:#050505;font-size:15px;line-height:1.45;margin:0 0 14px;text-align:left;}\n  .ark-fb__stats{display:flex;align-items:center;justify-content:space-between;font-size:13.5px;color:#65676B;\n    padding-bottom:8px;border-bottom:1px solid #E4E6EB;}\n  .ark-fb__react{display:flex;align-items:center;gap:6px;}\n  .ark-fb__emo{display:flex;}\n  .ark-fb__emo span{width:19px;height:19px;border-radius:50%;display:flex;align-items:center;justify-content:center;\n    font-size:10px;border:2px solid #fff;margin-left:-5px;}\n  .ark-fb__emo span:first-child{margin-left:0;}\n  .ark-fb__comments{font-weight:700;color:#050505;}\n  .ark-fb__acts{display:flex;justify-content:space-around;padding-top:10px;color:#65676B;font-weight:600;font-size:14px;}\n  .ark-fb__acts span{display:flex;align-items:center;gap:7px;}\n  .ark-fb__acts svg{width:17px;height:17px;flex:0 0 auto;}\n\n  @media (max-width:900px){\n    .ark-lp h2{font-size:26px;}\n    .ark-lp section{padding:40px 0;}\n    .ark-wave{height:34px;}\n    .ark-checks{grid-template-columns:1fr;gap:12px;}\n    .ark-author{flex-direction:column;gap:22px;}\n    .ark-author__img{flex:none;width:100%;}\n    .ark-car{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;}\n    .ark-car__track{order:1;flex:0 0 100%;gap:16px;}\n    .ark-car__item{flex:0 0 100%;}\n    .ark-car__prev{order:2;}\n    .ark-car__dots{order:3;margin:20px 16px 0;}\n    .ark-car__next{order:4;}\n    .ark-car__nav{position:static;transform:none;width:38px;height:38px;margin-top:20px;}\n    .ark-faq summary{font-size:16.5px;padding:18px 38px 18px 2px;}\n    .ark-faq summary:after{top:23px;}\n    .ark-faq details[open] summary:after{top:28px;}\n  }\n\u003c\/style\u003e\n\n\u003cdiv class=\"ark-lp\"\u003e\n\n  \u003c!-- ============ 1. INSIDE THE SPREADSHEET ============ --\u003e\n  \u003c!-- EDIT: check every feature below against your real file (number of debts, tabs, colour themes, video). --\u003e\n  \u003csection\u003e\n    \u003cdiv class=\"ark-wrap\"\u003e\n      \u003cp class=\"ark-eyebrow\"\u003eInside the spreadsheet\u003c\/p\u003e\n      \u003ch2\u003eStop guessing which debt to pay first.\u003cbr\u003eLet the sheet build the plan for you.\u003c\/h2\u003e\n      \u003cp style=\"max-width:760px;\"\u003e\n        This debt snowball spreadsheet for Google Sheets turns a messy list of balances into a clear, month by\n        month payoff plan. Type in each debt once, pick your strategy, and the sheet works out exactly how much\n        to pay on every account, which one falls next, and roughly when you will be debt free. No formulas to\n        write, no app subscription, and no starting from a blank grid that breaks the moment you touch it.\n      \u003c\/p\u003e\n\n      \u003cul class=\"ark-checks\"\u003e\n        \u003cli\u003eThree payoff methods in one sheet\n          \u003cspan\u003eDebt snowball (smallest balance first), debt avalanche (highest interest first), or your own custom order.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eA setup tab that does the maths\n          \u003cspan\u003eEnter the balance, rate and minimum for each debt. Future payments calculate automatically.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eMonth by month payoff schedule\n          \u003cspan\u003eSee what to pay on each debt every month, with room to change your total in a tight or a good month.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eOne dashboard for every debt\n          \u003cspan\u003eTrack up to 50 debts in one place, with a running total of everything you have paid off so far.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eA transaction log for extra money\n          \u003cspan\u003eTax refund, side hustle or bonus? Log it and send it straight at the debt you choose.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eCharts that show the momentum\n          \u003cspan\u003eProgress bars and graphs fill in as balances drop, so you can see the snowball building.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eYour projected debt free date\n          \u003cspan\u003eWatch the date move closer every time you add an extra payment. That is the motivation.\u003c\/span\u003e\n\u003c\/li\u003e\n        \u003cli\u003eInstant download, simple setup\n          \u003cspan\u003eA PDF with your copy link and a step by step walkthrough. Works on computer, phone and tablet.\u003c\/span\u003e\n\u003c\/li\u003e\n      \u003c\/ul\u003e\n\n      \u003cdiv class=\"ark-quote\"\u003e\n        \u003cp\u003eYou do not need more willpower. You need a plan you can see.\u003cbr\u003eThis debt payoff spreadsheet puts it on one screen.\u003c\/p\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003c!-- ============ 2. WHY WE BUILT IT ============ --\u003e\n  \u003csection style=\"padding-top:16px;\"\u003e\n    \u003cdiv class=\"ark-wrap\"\u003e\n      \u003cdiv class=\"ark-author\"\u003e\n        \u003cdiv class=\"ark-author__img\"\u003e\n          \u003c!-- EDIT: replace with a screenshot or mockup of your debt dashboard tab --\u003e\n          \u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/REPLACE-debt-snowball-dashboard.webp\" alt=\"Debt snowball spreadsheet for Google Sheets dashboard showing payoff progress\" loading=\"lazy\"\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"ark-author__txt\"\u003e\n          \u003ch2 style=\"margin-bottom:18px;\"\u003eWhy a debt payoff spreadsheet in Google Sheets works\u003c\/h2\u003e\n          \u003cp\u003eMost people with several debts are not bad with money. They are paying a little on everything,\n          every month, and never seeing a single balance actually disappear. That is exhausting, and it is the\n          reason so many payoff plans get abandoned by month three.\u003c\/p\u003e\n          \u003cp\u003eThe debt snowball fixes the feeling first. You clear the smallest balance fast, roll that payment\n          into the next one, and the amount you throw at each debt keeps growing. Prefer to save the most on\n          interest? Switch the same sheet to avalanche in one click.\u003c\/p\u003e\n          \u003cp\u003eBecause it lives in Google Sheets, your debt snowball calculator spreadsheet is free to open, saves\n          on its own, and goes with you on your phone. Update it on payday, glance at the dashboard, and\n          you always know the next step.\u003c\/p\u003e\n          \u003cp style=\"margin-top:24px;\"\u003e\u003ca class=\"ark-btn\" href=\"#\"\u003eGet yours now\u003c\/a\u003e\u003c\/p\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003c!-- ============ 3. REVIEWS SLIDER ============ --\u003e\n  \u003c!--\n    EDIT: these are SAMPLE placeholders. Replace each quote, name and photo with real customer\n    feedback before publishing. Publishing invented reviews as genuine is illegal in the US, UK and EU.\n    Add a photo by pasting the URL inside url('') on each ark-rev__img.\n  --\u003e\n  \u003cdiv class=\"ark-full\" style=\"background:var(--grey);\"\u003e\n    \u003csection\u003e\n      \u003cdiv class=\"ark-wrap\"\u003e\n        \u003ch2 class=\"ark-center\"\u003eSee why people stick with this plan\u003c\/h2\u003e\n        \u003cp class=\"ark-center\" style=\"max-width:620px;margin:0 auto;\"\u003eReal words from people paying off their debt with it.\u003c\/p\u003e\n\n        \u003cdiv class=\"ark-car\" data-ark-car\u003e\n          \u003cbutton class=\"ark-car__nav ark-car__prev\" data-ark-prev aria-label=\"Previous\"\u003e\n            \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"15 18 9 12 15 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n          \u003c\/button\u003e\n\n          \u003cdiv class=\"ark-car__track\" data-ark-track\u003e\n            \u003cdiv class=\"ark-car__item\"\u003e\n              \u003cdiv class=\"ark-rev\"\u003e\n                \u003cdiv class=\"ark-rev__img\" style=\"background-image:url('');\"\u003e\u003c\/div\u003e\n                \u003cdiv class=\"ark-rev__body\"\u003e\n                  \u003cdiv class=\"ark-stars\"\u003e★★★★★\u003c\/div\u003e\n                  \u003cp\u003e\"Sample review: replace with a real customer quote, ideally one that mentions how easy setup was.\"\u003c\/p\u003e\n                  \u003cdiv class=\"ark-rev__who\"\u003eCustomer name\u003c\/div\u003e\n                  \u003cdiv class=\"ark-rev__badge\"\u003eSample review\u003c\/div\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"ark-car__item\"\u003e\n              \u003cdiv class=\"ark-rev\"\u003e\n                \u003cdiv class=\"ark-rev__img\" style=\"background-image:url('');\"\u003e\u003c\/div\u003e\n                \u003cdiv class=\"ark-rev__body\"\u003e\n                  \u003cdiv class=\"ark-stars\"\u003e★★★★★\u003c\/div\u003e\n                  \u003cp\u003e\"Sample review: replace with a real customer quote about seeing their debt free date for the first time.\"\u003c\/p\u003e\n                  \u003cdiv class=\"ark-rev__who\"\u003eCustomer name\u003c\/div\u003e\n                  \u003cdiv class=\"ark-rev__badge\"\u003eSample review\u003c\/div\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"ark-car__item\"\u003e\n              \u003cdiv class=\"ark-rev\"\u003e\n                \u003cdiv class=\"ark-rev__img\" style=\"background-image:url('');\"\u003e\u003c\/div\u003e\n                \u003cdiv class=\"ark-rev__body\"\u003e\n                  \u003cdiv class=\"ark-stars\"\u003e★★★★★\u003c\/div\u003e\n                  \u003cp\u003e\"Sample review: replace with a real customer quote about paying off their first debt using the snowball method.\"\u003c\/p\u003e\n                  \u003cdiv class=\"ark-rev__who\"\u003eCustomer name\u003c\/div\u003e\n                  \u003cdiv class=\"ark-rev__badge\"\u003eSample review\u003c\/div\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n          \u003c\/div\u003e\n\n          \u003cbutton class=\"ark-car__nav ark-car__next\" data-ark-next aria-label=\"Next\"\u003e\n            \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"9 18 15 12 9 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n          \u003c\/button\u003e\n\n          \u003cdiv class=\"ark-car__dots\" data-ark-dots\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\n  \u003c!-- ============ 4. BLACK BAND: FAQ + SOCIAL ============ --\u003e\n  \u003cdiv class=\"ark-full ark-black\"\u003e\n\n    \u003csvg class=\"ark-wave\" viewbox=\"0 0 1440 70\" preserveaspectratio=\"none\" style=\"margin-top:-1px;\"\u003e\n      \u003cpath d=\"M0,0 C240,58 480,10 720,26 C960,42 1200,60 1440,20 L1440,0 Z\" fill=\"#F0F1F2\"\u003e\u003c\/path\u003e\n      \u003cpath d=\"M0,0 C240,44 480,0 720,16 C960,32 1200,50 1440,8 L1440,0 Z\" fill=\"#B9BDC3\" opacity=\".5\"\u003e\u003c\/path\u003e\n    \u003c\/svg\u003e\n\n    \u003c!-- FAQ --\u003e\n    \u003csection style=\"padding-top:14px;padding-bottom:30px;\"\u003e\n      \u003cdiv class=\"ark-wrap ark-center\"\u003e\n        \u003cp class=\"ark-eyebrow\"\u003eFrequently asked\u003c\/p\u003e\n        \u003ch2 style=\"font-size:40px;margin-bottom:0;\"\u003eQuestions\u003c\/h2\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"ark-wrap\"\u003e\n        \u003cdiv class=\"ark-faq\"\u003e\n          \u003cdetails\u003e\n            \u003csummary\u003eIs this a physical product or a download?\u003c\/summary\u003e\n            \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eIt is fully digital. Right after checkout you get a PDF by email with your\n            personal link to make a copy of the spreadsheet in your own Google account, plus a video\n            walkthrough. Nothing ships, so you can build your payoff plan tonight.\u003c\/p\u003e\u003c\/div\u003e\n          \u003c\/details\u003e\n          \u003cdetails\u003e\n            \u003csummary\u003eDoes it work in Excel or Numbers?\u003c\/summary\u003e\n            \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eNo. It is built as a debt payoff spreadsheet for Google Sheets, and some\n            formulas and charts will not work correctly in Excel or Numbers. All you need is a free Google\n            account. It runs on a computer, phone or tablet.\u003c\/p\u003e\u003c\/div\u003e\n          \u003c\/details\u003e\n          \u003cdetails\u003e\n            \u003csummary\u003eWhat is the difference between snowball and avalanche?\u003c\/summary\u003e\n            \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eThe snowball pays the smallest balance off first for quick wins and motivation.\n            The avalanche targets the highest interest rate first to save the most money. This debt snowball\n            calculator spreadsheet lets you use either, or set your own custom order, and compare.\u003c\/p\u003e\u003c\/div\u003e\n          \u003c\/details\u003e\n          \u003cdetails\u003e\n            \u003csummary\u003eI am not good with spreadsheets. Can I still use it?\u003c\/summary\u003e\n            \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eYes. You only fill in a few cells on the setup tab: the name, balance,\n            interest rate and minimum payment for each debt. Every calculation, schedule and chart is already\n            built. The video walks you through it in a few minutes.\u003c\/p\u003e\u003c\/div\u003e\n          \u003c\/details\u003e\n          \u003cdetails\u003e\n            \u003csummary\u003eIs my financial information private?\u003c\/summary\u003e\n            \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eYes. The sheet is copied into your own Google Drive, so only you can see it.\n            We never have access to your copy or the numbers you enter.\u003c\/p\u003e\u003c\/div\u003e\n          \u003c\/details\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003c!-- Social proof --\u003e\n    \u003c!-- EDIT: SAMPLE placeholders. Only publish comments you actually received, with permission,\n         and replace the names, photos, times and reaction counts with the real ones. --\u003e\n    \u003csection style=\"padding-top:10px;\"\u003e\n      \u003cdiv class=\"ark-wrap\"\u003e\n        \u003ch2 class=\"ark-center\" style=\"margin-bottom:6px;\"\u003eWhat our customers are saying\u003c\/h2\u003e\n\n        \u003cdiv class=\"ark-car\" data-ark-car\u003e\n          \u003cbutton class=\"ark-car__nav ark-car__prev\" data-ark-prev aria-label=\"Previous\"\u003e\n            \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"15 18 9 12 15 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n          \u003c\/button\u003e\n\n          \u003cdiv class=\"ark-car__track\" data-ark-track\u003e\n\n            \u003cdiv class=\"ark-car__item\"\u003e\n              \u003cdiv class=\"ark-fb__card\"\u003e\n                \u003cdiv class=\"ark-fb__top\"\u003e\n                  \u003cimg class=\"ark-fb__ava\" loading=\"lazy\" alt=\"Customer\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/social-prof-01.webp?v=1787865885\"\u003e\n                  \u003cdiv class=\"ark-fb__who\"\u003e\n                    \u003cdiv class=\"ark-fb__name\"\u003eCustomer name\n                      \u003csvg class=\"ark-fb__verified\" viewbox=\"0 0 24 24\" fill=\"#1877F2\"\u003e\u003cpath d=\"M12 1l2.6 2.2 3.4-.3.9 3.3 2.9 1.8-1.3 3.2 1.3 3.2-2.9 1.8-.9 3.3-3.4-.3L12 23l-2.6-2.2-3.4.3-.9-3.3L2.2 16l1.3-3.2L2.2 9.6l2.9-1.8.9-3.3 3.4.3z\"\u003e\u003c\/path\u003e\u003cpath d=\"M10.8 15.3l-3-3 1.3-1.3 1.7 1.7 4-4 1.3 1.3z\" fill=\"#fff\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n                    \u003c\/div\u003e\n                    \u003cdiv class=\"ark-fb__time\"\u003e2h ago\u003c\/div\u003e\n                  \u003c\/div\u003e\n                  \u003cdiv class=\"ark-fb__more\"\u003e⋯\u003c\/div\u003e\n                \u003c\/div\u003e\n                \u003cp class=\"ark-fb__txt\"\u003e\"Sample comment: paste a real customer post here, for example about\n                finally seeing all their debts and payments on one dashboard.\"\u003c\/p\u003e\n                \u003cdiv class=\"ark-fb__stats\"\u003e\n                  \u003cdiv class=\"ark-fb__react\"\u003e\n                    \u003cdiv class=\"ark-fb__emo\"\u003e\n                      \u003cspan style=\"background:#1877F2;\"\u003e👍\u003c\/span\u003e\n                      \u003cspan style=\"background:#F33E58;\"\u003e❤\u003c\/span\u003e\n                      \u003cspan style=\"background:#F7B125;\"\u003e😘\u003c\/span\u003e\n                    \u003c\/div\u003e\n\u003cspan\u003e0\u003c\/span\u003e\n                  \u003c\/div\u003e\n                  \u003cdiv class=\"ark-fb__comments\"\u003e0 comments\u003c\/div\u003e\n                \u003c\/div\u003e\n                \u003cdiv class=\"ark-fb__acts\"\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M7 10.5V20H4.6A1.6 1.6 0 0 1 3 18.4v-6.3a1.6 1.6 0 0 1 1.6-1.6H7z\"\u003e\u003c\/path\u003e\u003cpath d=\"M7 10.5l4.4-7.1a1.6 1.6 0 0 1 2.9 1.1l-.8 3.9h4.8a2 2 0 0 1 1.95 2.45l-1.5 6.5A2 2 0 0 1 16.8 20H7z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eLike\u003c\/span\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M21 11.6c0 4.5-4 8.1-9 8.1a10 10 0 0 1-3.2-.5L3.5 21l1.8-4.2A7.7 7.7 0 0 1 3 11.6c0-4.5 4-8.1 9-8.1s9 3.6 9 8.1z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eComment\u003c\/span\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M3 17.5c.6-5.2 4.3-7.8 9.5-7.9V5.2L21 12l-8.5 6.8V14c-4.3 0-7.2 1-9.5 3.5z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eShare\u003c\/span\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n\n            \u003cdiv class=\"ark-car__item\"\u003e\n              \u003cdiv class=\"ark-fb__card\"\u003e\n                \u003cdiv class=\"ark-fb__top\"\u003e\n                  \u003cimg class=\"ark-fb__ava\" loading=\"lazy\" alt=\"Customer\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/social-prof-02.webp?v=1787865884\"\u003e\n                  \u003cdiv class=\"ark-fb__who\"\u003e\n                    \u003cdiv class=\"ark-fb__name\"\u003eCustomer name\n                      \u003csvg class=\"ark-fb__verified\" viewbox=\"0 0 24 24\" fill=\"#1877F2\"\u003e\u003cpath d=\"M12 1l2.6 2.2 3.4-.3.9 3.3 2.9 1.8-1.3 3.2 1.3 3.2-2.9 1.8-.9 3.3-3.4-.3L12 23l-2.6-2.2-3.4.3-.9-3.3L2.2 16l1.3-3.2L2.2 9.6l2.9-1.8.9-3.3 3.4.3z\"\u003e\u003c\/path\u003e\u003cpath d=\"M10.8 15.3l-3-3 1.3-1.3 1.7 1.7 4-4 1.3 1.3z\" fill=\"#fff\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n                    \u003c\/div\u003e\n                    \u003cdiv class=\"ark-fb__time\"\u003e48 minutes ago\u003c\/div\u003e\n                  \u003c\/div\u003e\n                  \u003cdiv class=\"ark-fb__more\"\u003e⋯\u003c\/div\u003e\n                \u003c\/div\u003e\n                \u003cp class=\"ark-fb__txt\"\u003e\"Sample comment: paste a real customer post here, for example about\n                using the transaction log to throw a tax refund at their credit card.\"\u003c\/p\u003e\n                \u003cdiv class=\"ark-fb__stats\"\u003e\n                  \u003cdiv class=\"ark-fb__react\"\u003e\n                    \u003cdiv class=\"ark-fb__emo\"\u003e\n                      \u003cspan style=\"background:#1877F2;\"\u003e👍\u003c\/span\u003e\n                      \u003cspan style=\"background:#F33E58;\"\u003e❤\u003c\/span\u003e\n                      \u003cspan style=\"background:#F7B125;\"\u003e😘\u003c\/span\u003e\n                    \u003c\/div\u003e\n\u003cspan\u003e0\u003c\/span\u003e\n                  \u003c\/div\u003e\n                  \u003cdiv class=\"ark-fb__comments\"\u003e0 comments\u003c\/div\u003e\n                \u003c\/div\u003e\n                \u003cdiv class=\"ark-fb__acts\"\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M7 10.5V20H4.6A1.6 1.6 0 0 1 3 18.4v-6.3a1.6 1.6 0 0 1 1.6-1.6H7z\"\u003e\u003c\/path\u003e\u003cpath d=\"M7 10.5l4.4-7.1a1.6 1.6 0 0 1 2.9 1.1l-.8 3.9h4.8a2 2 0 0 1 1.95 2.45l-1.5 6.5A2 2 0 0 1 16.8 20H7z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eLike\u003c\/span\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M21 11.6c0 4.5-4 8.1-9 8.1a10 10 0 0 1-3.2-.5L3.5 21l1.8-4.2A7.7 7.7 0 0 1 3 11.6c0-4.5 4-8.1 9-8.1s9 3.6 9 8.1z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eComment\u003c\/span\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M3 17.5c.6-5.2 4.3-7.8 9.5-7.9V5.2L21 12l-8.5 6.8V14c-4.3 0-7.2 1-9.5 3.5z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eShare\u003c\/span\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n\n            \u003cdiv class=\"ark-car__item\"\u003e\n              \u003cdiv class=\"ark-fb__card\"\u003e\n                \u003cdiv class=\"ark-fb__top\"\u003e\n                  \u003cimg class=\"ark-fb__ava\" loading=\"lazy\" alt=\"Customer\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/social-prof-03.webp?v=1787865884\"\u003e\n                  \u003cdiv class=\"ark-fb__who\"\u003e\n                    \u003cdiv class=\"ark-fb__name\"\u003eCustomer name\n                      \u003csvg class=\"ark-fb__verified\" viewbox=\"0 0 24 24\" fill=\"#1877F2\"\u003e\u003cpath d=\"M12 1l2.6 2.2 3.4-.3.9 3.3 2.9 1.8-1.3 3.2 1.3 3.2-2.9 1.8-.9 3.3-3.4-.3L12 23l-2.6-2.2-3.4.3-.9-3.3L2.2 16l1.3-3.2L2.2 9.6l2.9-1.8.9-3.3 3.4.3z\"\u003e\u003c\/path\u003e\u003cpath d=\"M10.8 15.3l-3-3 1.3-1.3 1.7 1.7 4-4 1.3 1.3z\" fill=\"#fff\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n                    \u003c\/div\u003e\n                    \u003cdiv class=\"ark-fb__time\"\u003e5h ago\u003c\/div\u003e\n                  \u003c\/div\u003e\n                  \u003cdiv class=\"ark-fb__more\"\u003e⋯\u003c\/div\u003e\n                \u003c\/div\u003e\n                \u003cp class=\"ark-fb__txt\"\u003e\"Sample comment: paste a real customer post here, for example about\n                working through the payoff plan together with their partner.\"\u003c\/p\u003e\n                \u003cdiv class=\"ark-fb__stats\"\u003e\n                  \u003cdiv class=\"ark-fb__react\"\u003e\n                    \u003cdiv class=\"ark-fb__emo\"\u003e\n                      \u003cspan style=\"background:#1877F2;\"\u003e👍\u003c\/span\u003e\n                      \u003cspan style=\"background:#F33E58;\"\u003e❤\u003c\/span\u003e\n                      \u003cspan style=\"background:#F7B125;\"\u003e😘\u003c\/span\u003e\n                    \u003c\/div\u003e\n\u003cspan\u003e0\u003c\/span\u003e\n                  \u003c\/div\u003e\n                  \u003cdiv class=\"ark-fb__comments\"\u003e0 comments\u003c\/div\u003e\n                \u003c\/div\u003e\n                \u003cdiv class=\"ark-fb__acts\"\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M7 10.5V20H4.6A1.6 1.6 0 0 1 3 18.4v-6.3a1.6 1.6 0 0 1 1.6-1.6H7z\"\u003e\u003c\/path\u003e\u003cpath d=\"M7 10.5l4.4-7.1a1.6 1.6 0 0 1 2.9 1.1l-.8 3.9h4.8a2 2 0 0 1 1.95 2.45l-1.5 6.5A2 2 0 0 1 16.8 20H7z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eLike\u003c\/span\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M21 11.6c0 4.5-4 8.1-9 8.1a10 10 0 0 1-3.2-.5L3.5 21l1.8-4.2A7.7 7.7 0 0 1 3 11.6c0-4.5 4-8.1 9-8.1s9 3.6 9 8.1z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eComment\u003c\/span\u003e\n                  \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M3 17.5c.6-5.2 4.3-7.8 9.5-7.9V5.2L21 12l-8.5 6.8V14c-4.3 0-7.2 1-9.5 3.5z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eShare\u003c\/span\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n\n          \u003c\/div\u003e\n\n          \u003cbutton class=\"ark-car__nav ark-car__next\" data-ark-next aria-label=\"Next\"\u003e\n            \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"9 18 15 12 9 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n          \u003c\/button\u003e\n\n          \u003cdiv class=\"ark-car__dots\" data-ark-dots\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csvg class=\"ark-wave\" viewbox=\"0 0 1440 70\" preserveaspectratio=\"none\" style=\"margin-bottom:-1px;\"\u003e\n      \u003cpath d=\"M0,70 C240,12 480,60 720,44 C960,28 1200,10 1440,50 L1440,70 Z\" fill=\"#FFFFFF\"\u003e\u003c\/path\u003e\n      \u003cpath d=\"M0,70 C240,26 480,70 720,54 C960,38 1200,20 1440,62 L1440,70 Z\" fill=\"#B9BDC3\" opacity=\".45\"\u003e\u003c\/path\u003e\n    \u003c\/svg\u003e\n  \u003c\/div\u003e\n\n  \u003c!-- ============ 5. FINAL CTA ============ --\u003e\n  \u003csection style=\"padding-top:34px;\"\u003e\n    \u003cdiv class=\"ark-wrap ark-center\"\u003e\n      \u003ca class=\"ark-btn ark-btn--wide\" href=\"#\"\u003eADD TO CART\u003c\/a\u003e\n      \u003c!-- EDIT: match this to your store's refund policy (your budget sheet page uses 7 days) --\u003e\n      \u003cp style=\"margin-top:16px;font-weight:700;color:var(--ink);\"\u003e30 day money back guarantee\u003c\/p\u003e\n      \u003cp style=\"font-size:13px;color:#8A8F98;line-height:1.6;margin:26px 0 0;text-align:left;\"\u003e\n        This debt payoff spreadsheet is a planning tool for informational and educational purposes only. It is\n        not financial, legal or tax advice, and payoff dates are estimates based on the numbers you enter.\n        Actual results depend on your lenders, interest changes and the payments you make. For advice about\n        your situation, speak with a qualified financial professional. Requires a free Google account; not\n        compatible with Excel or Numbers.\n      \u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n\u003c\/div\u003e\n\n\u003cscript\u003e\n(function(){\n  document.querySelectorAll('[data-ark-car]').forEach(function(car){\n    var track = car.querySelector('[data-ark-track]');\n    var prev  = car.querySelector('[data-ark-prev]');\n    var next  = car.querySelector('[data-ark-next]');\n    var dots  = car.querySelector('[data-ark-dots]');\n    if(!track || !prev || !next || !dots) return;\n\n    function pages(){ return Math.max(1, Math.round(track.scrollWidth \/ track.clientWidth)); }\n    function current(){ return Math.round(track.scrollLeft \/ track.clientWidth); }\n\n    function sync(){\n      var c = current();\n      Array.prototype.forEach.call(dots.children, function(d,i){ d.classList.toggle('is-on', i===c); });\n    }\n\n    function build(){\n      var n = pages(), hide = n \u003c= 1;\n      prev.hidden = hide; next.hidden = hide;\n      dots.innerHTML = '';\n      if(hide) return;\n      for(var i=0;i\u003cn;i++){\n        var b = document.createElement('button');\n        b.type = 'button';\n        b.setAttribute('aria-label','Go to slide '+(i+1));\n        (function(idx){\n          b.addEventListener('click', function(){\n            track.scrollTo({ left: idx*track.clientWidth, behavior:'smooth' });\n          });\n        })(i);\n        dots.appendChild(b);\n      }\n      sync();\n    }\n\n    prev.addEventListener('click', function(){ track.scrollBy({ left:-track.clientWidth, behavior:'smooth' }); });\n    next.addEventListener('click', function(){ track.scrollBy({ left: track.clientWidth, behavior:'smooth' }); });\n\n    var t;\n    track.addEventListener('scroll', function(){ clearTimeout(t); t = setTimeout(sync, 90); }, { passive:true });\n    window.addEventListener('resize', function(){ clearTimeout(t); t = setTimeout(build, 200); });\n    build();\n  });\n})();\n\u003c\/script\u003e","brand":"ARKEONIC","offers":[{"title":"Default Title","offer_id":53148986999071,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}]},{"product_id":"life-planner-bundle-for-budget-tracker-template","title":"Complete Finance Dashboard and Annual Budget System for Google Sheets","description":"\u003cstyle\u003e\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Fraunces:opsz,wght@9..144,600\u0026family=Inter:wght@400;600\u0026family=Poppins:wght@600;700;800\u0026display=swap');\n.ark{--navy:#1E2340;--lav:#8E83D6;--lavd:#6E62C2;--lavl:#EEEBF9;--lavm:#DCD6F3;--bg:#F7F5FC;--grey:#6B6E85;\n --sage:#7E9B83;--saged:#2F4A3A;--cream:#F6F1E7;--terra:#C8714E;--sh:0 8px 30px rgba(30,35,64,.08);\n font-family:Inter,system-ui,sans-serif;color:var(--navy);line-height:1.55;font-size:16px;background:var(--bg);overflow:hidden;text-align:left;\n 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0}\n.c-g{background:#DCF0D5;color:#2F6B33}.c-p{background:#FDE6CF;color:#A55B17}.c-v{background:#E4DEF6;color:#5B4A9E}.c-y{background:#FBF1C8;color:#8A6D12}.c-t{background:#F3D9CC;color:#C8714E}.c-b{background:#D7E7F7;color:#275C8C}\n\/* hero *\/\n.ark-hero{display:grid;gap:34px;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));align-items:center;position:relative}\n.ark-hero:before{content:\"\";position:absolute;right:-60px;top:-50px;width:220px;height:220px;border-radius:50%;background:repeating-linear-gradient(135deg,#E9E4F8 0 6px,transparent 6px 15px);z-index:0}\n.ark-hero\u003e*{position:relative;z-index:1}\n.ark-pillchip{display:inline-block;background:#fff;border:1px solid var(--lavm);border-radius:999px;padding:6px 14px;font:600 13px Poppins,sans-serif;color:var(--lavd);margin-bottom:16px}\n.ark-sub{font-size:17px;color:#3D4160}\n.ark-heroimg{position:relative}\n.ark-heroimg img{border-radius:18px;box-shadow:0 24px 50px rgba(30,35,64,.16)}\n.ark-tabs{position:absolute;right:-8px;top:-18px;width:96px;height:96px;border-radius:50%;background:#fff;box-shadow:var(--sh);display:flex;flex-direction:column;align-items:center;justify-content:center;font:800 30px\/1 Poppins,sans-serif;color:var(--lavd)}\n.ark-tabs small{font:600 12px Poppins,sans-serif;color:var(--grey);margin-top:4px}\n.ark-devices{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}\n.ark-devices span{background:#fff;border-radius:12px;padding:8px 14px;font:600 13px Poppins,sans-serif;box-shadow:0 4px 14px rgba(30,35,64,.06)}\n\/* gallery *\/\n.ark-gallery{overflow:hidden;padding:8px 0 22px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}\n.ark-track{display:flex;gap:18px;width:max-content;animation:arkslide 70s linear infinite}\n.ark-gallery:hover .ark-track{animation-play-state:paused}\n.ark-track figure{flex:0 0 560px;margin:0}\n@keyframes arkslide{from{transform:translateX(0)}to{transform:translateX(calc(-50% - 9px))}}\n@media(max-width:760px){.ark-track figure{flex-basis:300px}.ark-track{animation-duration:55s}}\n.ark-track img{border-radius:16px;box-shadow:var(--sh);width:100%;height:auto;aspect-ratio:1448\/1086;object-fit:cover}\n\n.ark-hint{text-align:center;font-size:13px;color:var(--grey)}\n\/* benefits *\/\n.ark-ben .ark-card{text-align:center}\n.ark-ico{width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:26px;margin:0 auto 12px}\n\/* product cards *\/\n.ark-prod img{border-radius:12px;margin:10px 0;width:100%;height:auto}\n.ark-prod .head{display:flex;justify-content:space-between;align-items:center}\n.ark-guide{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));align-items:center;margin-top:22px}\n\/* features *\/\n.ark-feat{display:grid;gap:30px;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));align-items:center;margin:0 0 46px}\n.ark-feat img{border-radius:18px;box-shadow:var(--sh)}\n.ark-feat.rev .ark-fimg{order:2}\n.ark-num{display:inline-flex;width:46px;height:46px;border-radius:50%;background:var(--lavl);color:var(--lavd);font:800 17px Poppins,sans-serif;align-items:center;justify-content:center;margin-bottom:10px}\n.ark-feat.sage .ark-num{background:#DCE5DA;color:var(--saged)}.ark-feat.sage h3{color:var(--saged)}.ark-feat.sage .ark-ck li:before{background:#8FA98F}\n.ark-feat .intro{color:var(--grey)}\n\/* steps *\/\n.ark-steps{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));counter-reset:s}\n.ark-steps .ark-card{position:relative;padding-top:34px}\n.ark-steps .ark-card:before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:22px;width:40px;height:40px;border-radius:50%;background:var(--lav);color:#fff;font:800 17px Poppins,sans-serif;display:flex;align-items:center;justify-content:center;border:4px solid var(--bg)}\n\/* pricing *\/\n.ark-price{max-width:560px;margin:0 auto;text-align:center;border:2px solid var(--lavm)}\n.ark-big{font:800 72px\/1 Poppins,sans-serif;color:var(--lavd);margin:10px 0 4px}\n.ark-price .ark-ck{text-align:left;display:inline-block}\n.ark-guar{display:flex;gap:14px;align-items:center;background:#DCF0D5;border-radius:16px;padding:14px 18px;margin-top:18px;text-align:left;color:#2F6B33}\n.ark-guar b{font-family:Poppins,sans-serif}\n.ark-fine{font-size:12.5px;color:var(--grey);margin-top:14px!important}\n\/* faq *\/\n.ark details{background:#fff;border-radius:16px;box-shadow:var(--sh);margin:0 0 12px;padding:0 20px}\n.ark summary{cursor:pointer;list-style:none;font:600 17px Poppins,sans-serif;padding:18px 28px 18px 0;position:relative}\n.ark summary::-webkit-details-marker{display:none}\n.ark summary:after{content:\"+\";position:absolute;right:0;top:14px;font-size:24px;color:var(--lav)}\n.ark details[open] summary:after{transform:rotate(45deg)}\n.ark summary:after{transition:transform .2s}\n.ark details p{padding:0 0 18px;color:#3D4160}\n\/* final *\/\n.ark-final{background:linear-gradient(135deg,#8E83D6,#6E62C2);color:#fff;text-align:center;border-radius:24px;margin:20px 22px 40px;padding:52px 24px}\n.ark-final h2{color:#fff}.ark-final .ark-btn{background:#fff;color:var(--lavd)!important}.ark-final .ark-trust{color:#EDEAFB}\n.ark-sticky{display:none}\n@media(max-width:760px){.ark section{padding:42px 16px}.ark-feat.rev .ark-fimg{order:0}\n .ark-sticky{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;background:#fff;box-shadow:0 -6px 20px rgba(30,35,64,.12);padding:10px 14px;align-items:center;justify-content:space-between;gap:10px;font:700 15px Poppins,sans-serif;color:#1E2340}\n .ark-sticky a{background:#8E83D6;color:#fff!important;text-decoration:none!important;padding:11px 18px;border-radius:999px;font-size:15px}}\n\u003c\/style\u003e\n\u003cdiv class=\"ark\"\u003e\n\u003csection class=\"ark-hero\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-pillchip\"\u003e✓ Built for Excel \u0026amp; Google Sheets\u003c\/span\u003e\n\u003ch1\u003ePlan Your Whole Life in Four Automated \u003cmark\u003eSpreadsheets\u003c\/mark\u003e\n\u003c\/h1\u003e\n\u003cp class=\"ark-sub\"\u003eMost people juggle their budget, habits, tasks and goals across five apps and half-finished templates. The \u003cb\u003eARKEONIC Life Organizer\u003c\/b\u003e puts a Budget Planner, Habit Tracker, Task Tracker and Life Planner in one download, and they fill themselves in while you log your day.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003e\n\u003cb\u003e4 automated spreadsheets\u003c\/b\u003e, 56 tabs, one download\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eExcel and Google Sheets\u003c\/b\u003e, both included\u003c\/li\u003e\n\u003cli\u003eSet recurring bills and tasks \u003cb\u003eonce\u003c\/b\u003e, they repeat all year\u003c\/li\u003e\n\u003cli\u003ePay once, reuse every year, \u003cb\u003eno subscription\u003c\/b\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 12px; margin-top: 18px;\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\u003ca class=\"ark-btn ghost\" href=\"#ark-inside\"\u003eSee What's Inside ↓\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003cdiv class=\"ark-devices\"\u003e\n\u003cspan\u003e📊 Microsoft Excel\u003c\/span\u003e\u003cspan\u003e🟩 Google Sheets\u003c\/span\u003e\u003cspan\u003e💻 Mac \u0026amp; PC\u003c\/span\u003e\u003cspan\u003e📱 iPhone \u0026amp; Android\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-heroimg\"\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-organizer-spreadsheet-bundle-excel-google-sheets.webp\" alt=\"2026 ARKEONIC Life Organizer bundle: budget, habit, task and life planner spreadsheets on a laptop\" decoding=\"async\"\u003e\n\u003cdiv class=\"ark-tabs\"\u003e56\u003csmall\u003eTABS\u003c\/small\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection id=\"ark-inside\"\u003e\u003cspan class=\"ark-eyebrow\"\u003eInside the bundle\u003c\/span\u003e\n\u003ch2\u003e56 Tabs. 4 Spreadsheets. 1 PDF Guide. One Download.\u003c\/h2\u003e\n\u003cp class=\"ark-lead\"\u003eEvery screenshot below is the real template with example 2026 data. Exactly what you get.\u003c\/p\u003e\n\u003cdiv class=\"ark-gallery\"\u003e\n\u003cdiv class=\"ark-track\"\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-organizer-spreadsheet-bundle-excel-google-sheets.webp?v=1793217216\" alt=\"life organizer spreadsheet bundle excel google sheets\" decoding=\"async\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/whats-included-budget-habit-task-life-planner.webp?v=1793217215\" alt=\"whats included budget habit task life planner\" decoding=\"async\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/annual-budget-dashboard-spreadsheet.webp?v=1793217216\" alt=\"annual budget dashboard spreadsheet\" decoding=\"async\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-budget-tracker-google-sheets.webp?v=1793217215\" alt=\"monthly budget tracker google sheets\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/recurring-payments-automation-spreadsheet.webp?v=1793217215\" alt=\"recurring payments automation spreadsheet\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/automated-bill-payment-calendar-spreadsheet.webp?v=1793217215\" alt=\"automated bill payment calendar spreadsheet\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/transaction-log-recurring-variable.webp?v=1793217215\" alt=\"transaction log recurring variable\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/debt-payoff-savings-goals-tracker.webp?v=1793217216\" alt=\"debt payoff savings goals tracker\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-habit-tracker-spreadsheet.webp?v=1793217215\" alt=\"monthly habit tracker spreadsheet\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/habit-tracker-year-in-review.webp?v=1793217215\" alt=\"habit tracker year in review\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-tracker-dashboard-spreadsheet.webp?v=1793217215\" alt=\"task tracker dashboard spreadsheet\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-log-recurring-one-time-tasks.webp?v=1793217215\" alt=\"task log recurring one time tasks\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/decision-matrix-kanban-gantt-spreadsheet.webp?v=1793217215\" alt=\"decision matrix kanban gantt spreadsheet\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-planner-goals-wellness-spreadsheet.webp?v=1793217215\" alt=\"life planner goals wellness spreadsheet\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/works-on-any-device-excel-google-sheets.webp?v=1793217215\" alt=\"works on any device excel google sheets\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/setup-guide-pdf-tutorial.webp?v=1793217215\" alt=\"setup guide pdf tutorial\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-organizer-spreadsheet-bundle-excel-google-sheets.webp?v=1793217216\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/whats-included-budget-habit-task-life-planner.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/annual-budget-dashboard-spreadsheet.webp?v=1793217216\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-budget-tracker-google-sheets.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/recurring-payments-automation-spreadsheet.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/automated-bill-payment-calendar-spreadsheet.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/transaction-log-recurring-variable.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/debt-payoff-savings-goals-tracker.webp?v=1793217216\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-habit-tracker-spreadsheet.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/habit-tracker-year-in-review.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-tracker-dashboard-spreadsheet.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-log-recurring-one-time-tasks.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/decision-matrix-kanban-gantt-spreadsheet.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-planner-goals-wellness-spreadsheet.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/works-on-any-device-excel-google-sheets.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003cfigure\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/setup-guide-pdf-tutorial.webp?v=1793217215\" alt=\"\" decoding=\"async\" loading=\"lazy\"\u003e\u003c\/figure\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ark-ben\"\u003e\u003cspan class=\"ark-eyebrow\"\u003eWhy it works\u003c\/span\u003e\n\u003ch2\u003eWhat a Real Life Dashboard Looks Like\u003c\/h2\u003e\n\u003cdiv class=\"ark-grid three\" style=\"margin-top: 26px;\"\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #EEEBF9;\"\u003e🧭\u003c\/div\u003e\n\u003ch3\u003eOne Organizer for Your Whole Life\u003c\/h3\u003e\n\u003cp\u003eLog it once and every dashboard, calendar and chart updates itself. No copy-paste, no formulas to write.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #DCF0D5;\"\u003e🔄\u003c\/div\u003e\n\u003ch3\u003eExcel and Google Sheets, Both Included\u003c\/h3\u003e\n\u003cp\u003eOne purchase, two formats. Work on Mac, PC, phone or tablet.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #FDE6CF;\"\u003e✨\u003c\/div\u003e\n\u003ch3\u003eNo Spreadsheet Skills Needed\u003c\/h3\u003e\n\u003cp\u003eType in the lavender cells and everything else is automatic. An 18-page PDF guide walks you through it.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #D7E7F7;\"\u003e📅\u003c\/div\u003e\n\u003ch3\u003eReusable Every Year\u003c\/h3\u003e\n\u003cp\u003eChange the year in Settings and your recurring bills and tasks roll forward. No subscription, ever.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #FBF1C8;\"\u003e⚙️\u003c\/div\u003e\n\u003ch3\u003eBills \u0026amp; Tasks on Autopilot\u003c\/h3\u003e\n\u003cp\u003eSet a payment or task once with 9 frequencies (weekly to yearly) and it lands on the right dates all year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #E4DEF6;\"\u003e📊\u003c\/div\u003e\n\u003ch3\u003eSee Every Area at a Glance\u003c\/h3\u003e\n\u003cp\u003eMoney, habits, tasks, goals and wellness in clear pastel dashboards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection\u003e\u003cspan class=\"ark-eyebrow\"\u003eWhat's included\u003c\/span\u003e\n\u003ch2\u003eFour Complete Systems. One Price.\u003c\/h2\u003e\n\u003cdiv style=\"margin: 24px 0;\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/whats-included-budget-habit-task-life-planner.webp\" alt=\"What's included: setup guide, Budget Planner, Habit Tracker, Task Tracker and Life Planner\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"ark-grid two\"\u003e\n\u003cdiv class=\"ark-card ark-prod\"\u003e\n\u003cdiv class=\"head\"\u003e\n\u003ch3 style=\"margin: 0;\"\u003eBudget Planner\u003c\/h3\u003e\n\u003cspan class=\"ark-chip c-v\"\u003e23 tabs\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/annual-budget-dashboard-spreadsheet.webp\" alt=\"Budget Planner spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eAnnual dashboard + 12 monthly budget tabs\u003c\/li\u003e\n\u003cli\u003eRecurring payments with tick-when-paid\u003c\/li\u003e\n\u003cli\u003eAutomated bill calendar\u003c\/li\u003e\n\u003cli\u003eDebt payoff, savings goals \u0026amp; net worth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card ark-prod\"\u003e\n\u003cdiv class=\"head\"\u003e\n\u003ch3 style=\"margin: 0;\"\u003eHabit Tracker\u003c\/h3\u003e\n\u003cspan class=\"ark-chip c-v\"\u003e15 tabs\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-habit-tracker-spreadsheet.webp\" alt=\"Habit Tracker spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eUp to 25 habits on 12 monthly tabs\u003c\/li\u003e\n\u003cli\u003eMood, energy \u0026amp; sleep rows\u003c\/li\u003e\n\u003cli\u003eWeekly \u0026amp; monthly goals\u003c\/li\u003e\n\u003cli\u003eAutomatic Year in Review\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card ark-prod\"\u003e\n\u003cdiv class=\"head\"\u003e\n\u003ch3 style=\"margin: 0;\"\u003eTask Tracker\u003c\/h3\u003e\n\u003cspan class=\"ark-chip c-v\"\u003e10 tabs\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-tracker-dashboard-spreadsheet.webp\" alt=\"Task Tracker spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eRecurring + one-time task logs\u003c\/li\u003e\n\u003cli\u003eDashboard, monthly calendar \u0026amp; weekly to-do\u003c\/li\u003e\n\u003cli\u003eDecision Matrix \u0026amp; Kanban board\u003c\/li\u003e\n\u003cli\u003eGantt timeline\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card ark-prod\"\u003e\n\u003cdiv class=\"head\"\u003e\n\u003ch3 style=\"margin: 0;\"\u003eLife Planner\u003c\/h3\u003e\n\u003cspan class=\"ark-chip c-v\"\u003e8 tabs\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-planner-goals-wellness-spreadsheet.webp\" alt=\"Life Planner spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eLife dashboard with 6 areas of life\u003c\/li\u003e\n\u003cli\u003eGoals with progress\u003c\/li\u003e\n\u003cli\u003eYearly \u0026amp; weekly planner, routines\u003c\/li\u003e\n\u003cli\u003eWellness tracker \u0026amp; journal\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-guide\"\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003ch3\u003eAlso included\u003c\/h3\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eExcel (.xlsx) + Google Sheets versions\u003c\/li\u003e\n\u003cli\u003e18-page PDF setup guide\u003c\/li\u003e\n\u003cli\u003eOne-click Google Sheets copy links\u003c\/li\u003e\n\u003cli\u003e9 recurring frequencies\u003c\/li\u003e\n\u003cli\u003eTick-when-paid \/ tick-when-done automation\u003c\/li\u003e\n\u003cli\u003eExample 2026 data (easy to delete)\u003c\/li\u003e\n\u003cli\u003eStart Here tab in every file\u003c\/li\u003e\n\u003cli\u003eFree updates to this 2026 edition\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/setup-guide-pdf-tutorial.webp\" alt=\"18-page PDF setup guide pages\" loading=\"lazy\" decoding=\"async\"\u003e\n\u003cp class=\"ark-hint\" style=\"margin-top: 8px;\"\u003eYour step-by-step PDF guide, from download to fully set up in under an hour.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection\u003e\u003cspan class=\"ark-eyebrow\"\u003eInside your bundle\u003c\/span\u003e\n\u003ch2\u003eEverything You Get, Feature by Feature\u003c\/h2\u003e\n\u003cp class=\"ark-lead\"\u003e12 powerful tools across 4 spreadsheets. All connected, all automatic.\u003c\/p\u003e\n\u003cdiv class=\"ark-feat\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/life-planner-goals-wellness-spreadsheet.webp\" alt=\"Life Dashboard: Your Whole Life on One Page spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e01\u003c\/span\u003e\n\u003ch3\u003eLife Dashboard: Your Whole Life on One Page\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eYour hero view: money, goals, tasks, habits and events together.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eOverview: month, year, monthly balance \u0026amp; savings rate\u003c\/li\u003e\n\u003cli\u003e6 areas of life with scores and a Life Score\u003c\/li\u003e\n\u003cli\u003eGoals overview and goals by priority\u003c\/li\u003e\n\u003cli\u003eThis week's tasks + a 7-habit weekly check\u003c\/li\u003e\n\u003cli\u003eNext 6 upcoming events, today's focus, quick links\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-y\"\u003eAuto-fills\u003c\/span\u003e\u003cspan class=\"ark-chip c-g\"\u003eBeginner Friendly\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat rev\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-budget-tracker-google-sheets.webp\" alt=\"Budget Tracker: 12 Monthly Tabs spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e02\u003c\/span\u003e\n\u003ch3\u003eBudget Tracker: 12 Monthly Tabs\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eBudget vs actual for every sub-category, every month.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eTotal income, expenses, left to spend, left to budget\u003c\/li\u003e\n\u003cli\u003eIncome, Bills, Subscriptions, Debts, Savings, Expenses (40 sub-categories each)\u003c\/li\u003e\n\u003cli\u003eBalance, spending and budget-vs-actual charts\u003c\/li\u003e\n\u003cli\u003eTop 5 sub-categories by spend\u003c\/li\u003e\n\u003cli\u003eZero-based or carried-over budgeting\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-y\"\u003eAuto-fills\u003c\/span\u003e\u003cspan class=\"ark-chip c-p\"\u003eHuge Time Saver\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/transaction-log-recurring-variable.webp\" alt=\"Transaction Log spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e03\u003c\/span\u003e\n\u003ch3\u003eTransaction Log\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eLog variable spending in seconds.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eDate, amount, sub-category, account, paid to, notes (1,000 rows)\u003c\/li\u003e\n\u003cli\u003eCategory fills itself in\u003c\/li\u003e\n\u003cli\u003eDuplicate check flags repeats\u003c\/li\u003e\n\u003cli\u003eThis month \/ this year totals\u003c\/li\u003e\n\u003cli\u003eBuilt-in filters\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-g\"\u003eBeginner Friendly\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat rev\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/recurring-payments-automation-spreadsheet.webp\" alt=\"Recurring Automations: Set Once, Never Miss spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e04\u003c\/span\u003e\n\u003ch3\u003eRecurring Automations: Set Once, Never Miss\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eList each paycheck, bill, subscription, debt and savings payment once.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003e9 frequencies: one time, weekly, every 2 \/ 4 weeks, monthly, every 2 months, quarterly, every 6 months, yearly\u003c\/li\u003e\n\u003cli\u003eFirst payment + optional end date\u003c\/li\u003e\n\u003cli\u003eTick ✔ when paid: tabs, calendar \u0026amp; balance update instantly\u003c\/li\u003e\n\u003cli\u003eChange one payment's date or amount without touching the rule\u003c\/li\u003e\n\u003cli\u003eRolls into next year automatically\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-v\"\u003eCustomer Favourite\u003c\/span\u003e\u003cspan class=\"ark-chip c-p\"\u003eHuge Time Saver\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/automated-bill-payment-calendar-spreadsheet.webp\" alt=\"Automated Calendar spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e05\u003c\/span\u003e\n\u003ch3\u003eAutomated Calendar\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eSee every payment on its date.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eAny month, any week-start day\u003c\/li\u003e\n\u003cli\u003eColour-coded by category, ✔ on paid items\u003c\/li\u003e\n\u003cli\u003eWeekly overview: income, expenses, paid, left to pay\u003c\/li\u003e\n\u003cli\u003eWeekly summary + running totals\u003c\/li\u003e\n\u003cli\u003eMonthly balance snapshot\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-y\"\u003eAuto-fills\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat rev\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/debt-payoff-savings-goals-tracker.webp\" alt=\"Debt Payoff, Savings Goals and Net Worth spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e06\u003c\/span\u003e\n\u003ch3\u003eDebt Payoff, Savings Goals \u0026amp; Net Worth\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eGet debt-free and grow your savings.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eSnowball or avalanche + extra monthly payment\u003c\/li\u003e\n\u003cli\u003ePayoff date, months \u0026amp; interest for each debt\u003c\/li\u003e\n\u003cli\u003eRemaining-debt chart and your debt-free date\u003c\/li\u003e\n\u003cli\u003eSavings goals with amount needed per month\u003c\/li\u003e\n\u003cli\u003eNet worth by month with a chart\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-p\"\u003eHuge Time Saver\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat sage\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/monthly-habit-tracker-spreadsheet.webp\" alt=\"Monthly Habit Tracker spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e07\u003c\/span\u003e\n\u003ch3\u003eMonthly Habit Tracker\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eCheck off your habits in seconds and watch your month fill up.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eUp to 25 habits on 12 monthly tabs\u003c\/li\u003e\n\u003cli\u003eMonth progress, daily completion, best day, current streak\u003c\/li\u003e\n\u003cli\u003eMood, energy, sleep and a note each day\u003c\/li\u003e\n\u003cli\u003e“Never miss twice” highlight\u003c\/li\u003e\n\u003cli\u003eWeekly \u0026amp; monthly goals, reflection and events\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-g\"\u003eBeginner Friendly\u003c\/span\u003e\u003cspan class=\"ark-chip c-y\"\u003eAuto-fills\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat rev sage\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/habit-tracker-year-in-review.webp\" alt=\"A Whole Year of Showing Up spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e08\u003c\/span\u003e\n\u003ch3\u003eA Whole Year of Showing Up\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eYour automatic annual report, ready every December.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eDays tracked and habits completed\u003c\/li\u003e\n\u003cli\u003eBest month highlighted\u003c\/li\u003e\n\u003cli\u003eLongest streak and best habit\u003c\/li\u003e\n\u003cli\u003eYearly results for every habit\u003c\/li\u003e\n\u003cli\u003eReflection prompts + 3 habits for next year\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-t\"\u003eNew\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-tracker-dashboard-spreadsheet.webp\" alt=\"Tasks Dashboard spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e09\u003c\/span\u003e\n\u003ch3\u003eTasks Dashboard\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eAll your tasks and projects at a glance.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eTotal, completed, in progress, overdue, completion %\u003c\/li\u003e\n\u003cli\u003eMini calendar with task and overdue days\u003c\/li\u003e\n\u003cli\u003eToday's tasks + the next 15 upcoming\u003c\/li\u003e\n\u003cli\u003eCharts by status, priority, person \u0026amp; Kanban column\u003c\/li\u003e\n\u003cli\u003eButtons to Decision Matrix, Kanban \u0026amp; Gantt\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-y\"\u003eAuto-fills\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat rev\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/task-log-recurring-one-time-tasks.webp\" alt=\"Task Logs: Recurring + One-Time spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e10\u003c\/span\u003e\n\u003ch3\u003eTask Logs: Recurring + One-Time\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003eSet the frequency once and due dates update automatically.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eRecurring tasks with 9 frequencies and end dates\u003c\/li\u003e\n\u003cli\u003eOne-time tasks: category, priority, person, dates, progress\u003c\/li\u003e\n\u003cli\u003eAutomatic status: overdue turns red\u003c\/li\u003e\n\u003cli\u003eDays-left counter\u003c\/li\u003e\n\u003cli\u003eImportant \/ urgent flags feed the Decision Matrix\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-p\"\u003eHuge Time Saver\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/weekly-monthly-task-calendar.webp\" alt=\"Monthly and Weekly Calendars spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e11\u003c\/span\u003e\n\u003ch3\u003eMonthly \u0026amp; Weekly Calendars\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003ePlan your month and your week.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eUp to 5 tasks per day, coloured by category\u003c\/li\u003e\n\u003cli\u003eMonthly progress donut\u003c\/li\u003e\n\u003cli\u003eWeekly to-do from any start date\u003c\/li\u003e\n\u003cli\u003e% done for each day\u003c\/li\u003e\n\u003cli\u003eFilter by person or hide a status\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-y\"\u003eAuto-fills\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-feat rev\"\u003e\n\u003cdiv class=\"ark-fimg\"\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/decision-matrix-kanban-gantt-spreadsheet.webp\" alt=\"Decision Matrix, Kanban and Gantt spreadsheet\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-num\"\u003e12\u003c\/span\u003e\n\u003ch3\u003eDecision Matrix, Kanban \u0026amp; Gantt\u003c\/h3\u003e\n\u003cp class=\"intro\"\u003ePrioritise and visualise your projects.\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eEisenhower matrix: Do · Decide · Delegate · Delete\u003c\/li\u003e\n\u003cli\u003eKanban: To Do, In Progress, Review, Done, Backlog\u003c\/li\u003e\n\u003cli\u003eGantt: 26-week timeline with today marker\u003c\/li\u003e\n\u003cli\u003ePlus Life Planner goals, routines, wellness \u0026amp; journal\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cspan class=\"ark-chip c-g\"\u003eBeginner Friendly\u003c\/span\u003e\u003cspan class=\"ark-chip c-b\"\u003eAll-in-One\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection\u003e\u003cspan class=\"ark-eyebrow\"\u003eSetup guide included\u003c\/span\u003e\n\u003ch2\u003eFollow the Guide. Set It Up Tonight.\u003c\/h2\u003e\n\u003cp class=\"ark-lead\"\u003eAn 18-page illustrated PDF takes you from download to done: Google Sheets copy links, Excel setup, a walkthrough of every file, phone tips and how to reuse it next year.\u003c\/p\u003e\n\u003cdiv class=\"ark-guide\"\u003e\n\u003cdiv\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/setup-guide-pdf-tutorial.webp\" alt=\"Setup guide PDF pages\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003e\u003cb\u003eOne-click Google Sheets copies\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eExcel step-by-step\u003c\/b\u003e (Mac \u0026amp; PC)\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eEvery tab explained\u003c\/b\u003e with screenshots\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eNew year in 2 minutes\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eFAQ \u0026amp; support\u003c\/b\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c!-- REVIEWS: add your review app widget here once you have real reviews --\u003e\n\u003csection\u003e\n\u003cdiv class=\"ark-guide\"\u003e\n\u003cdiv\u003e\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/whats-included-budget-habit-task-life-planner.webp\" alt=\"Four complete systems in one bundle\" loading=\"lazy\" decoding=\"async\"\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"ark-eyebrow\"\u003eMost-loved features\u003c\/span\u003e\n\u003ch2 style=\"text-align: left;\"\u003eFour Complete Systems, One Bundle\u003c\/h2\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eRecurring bills \u0026amp; tasks on autopilot\u003c\/li\u003e\n\u003cli\u003e12 monthly budget tabs + annual dashboard\u003c\/li\u003e\n\u003cli\u003eAutomated bill calendar\u003c\/li\u003e\n\u003cli\u003e12 monthly habit trackers + Year in Review\u003c\/li\u003e\n\u003cli\u003eDecision Matrix, Kanban \u0026amp; Gantt\u003c\/li\u003e\n\u003cli\u003eGoals, routines, wellness \u0026amp; journal\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"ark-ben\"\u003e\u003cspan class=\"ark-eyebrow\"\u003eWhy this bundle\u003c\/span\u003e\n\u003ch2\u003e4 Tools, One Download, Yours Forever\u003c\/h2\u003e\n\u003cdiv class=\"ark-grid\" style=\"margin-top: 26px;\"\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #EEEBF9;\"\u003e🌙\u003c\/div\u003e\n\u003ch3 style=\"text-transform: uppercase; font-size: 17px; letter-spacing: .5px;\"\u003eSet up tonight\u003c\/h3\u003e\n\u003cp\u003ePre-built, pre-formatted, with example data and a PDF guide. Most people are set up in under an hour.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #DCF0D5;\"\u003e💳\u003c\/div\u003e\n\u003ch3 style=\"text-transform: uppercase; font-size: 17px; letter-spacing: .5px;\"\u003eOne price, all years\u003c\/h3\u003e\n\u003cp\u003e$12 once. Change the year and reuse it in 2027 and beyond. No subscription.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #FDE6CF;\"\u003e🧩\u003c\/div\u003e\n\u003ch3 style=\"text-transform: uppercase; font-size: 17px; letter-spacing: .5px;\"\u003eNo skills needed\u003c\/h3\u003e\n\u003cp\u003eType in the coloured cells; dropdowns and ticks do the rest.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003cdiv class=\"ark-ico\" style=\"background: #D7E7F7;\"\u003e🛡️\u003c\/div\u003e\n\u003ch3 style=\"text-transform: uppercase; font-size: 17px; letter-spacing: .5px;\"\u003eMoney-back guarantee\u003c\/h3\u003e\n\u003cp\u003eNot for you? Email us within 7 days for a full refund.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection\u003e\u003cspan class=\"ark-eyebrow\"\u003eHow it works\u003c\/span\u003e\n\u003ch2\u003eUp and Running in 4 Steps\u003c\/h2\u003e\n\u003cdiv class=\"ark-steps\" style=\"margin-top: 34px;\"\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003ch3\u003ePurchase\u003c\/h3\u003e\n\u003cp\u003eSecure checkout with card, PayPal, Shop Pay or Apple Pay.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003ch3\u003eGet instant access\u003c\/h3\u003e\n\u003cp\u003eDownload the ZIP on the thank-you page. We also email you the link.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003ch3\u003eOpen the PDF guide\u003c\/h3\u003e\n\u003cp\u003eClick the Make-a-copy buttons for Google Sheets, or open the Excel files.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-card\"\u003e\n\u003ch3\u003eOrganize your life\u003c\/h3\u003e\n\u003cp\u003eEnter your recurring items and habits once and everything else fills in.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection id=\"ark-price\"\u003e\u003cspan class=\"ark-eyebrow\"\u003eOne-time price\u003c\/span\u003e\n\u003ch2\u003e4 Spreadsheets + PDF Guide. $12, One-Time.\u003c\/h2\u003e\n\u003cdiv class=\"ark-card ark-price\" style=\"margin-top: 24px;\"\u003e\n\u003cdiv class=\"ark-big\"\u003e$12\u003c\/div\u003e\n\u003cp style=\"color: var(--grey);\"\u003eone-time payment · instant access\u003c\/p\u003e\n\u003cul class=\"ark-ck\"\u003e\n\u003cli\u003eBudget Planner (23 tabs)\u003c\/li\u003e\n\u003cli\u003eHabit Tracker (15 tabs)\u003c\/li\u003e\n\u003cli\u003eTask Tracker (10 tabs)\u003c\/li\u003e\n\u003cli\u003eLife Planner (8 tabs)\u003c\/li\u003e\n\u003cli\u003eExcel + Google Sheets versions\u003c\/li\u003e\n\u003cli\u003e18-page PDF setup guide\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv style=\"margin-top: 14px;\"\u003e\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle\u003c\/a\u003e\u003c\/div\u003e\n\u003cdiv class=\"ark-guar\"\u003e\n\u003cspan style=\"font-size: 30px;\"\u003e🛡️\u003c\/span\u003e\n\u003cdiv\u003e\n\u003cb\u003e7-day money-back guarantee\u003c\/b\u003e\u003cbr\u003eIf it's not right for you, email us for a full refund.\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"ark-fine\"\u003eDigital product, nothing is shipped. Not financial, legal or medical advice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection\u003e\u003cspan class=\"ark-eyebrow\"\u003eCompatibility\u003c\/span\u003e\n\u003ch2\u003eDesigned to Fit Your Life\u003c\/h2\u003e\n\u003cp class=\"ark-lead\"\u003eWorks on PC, Mac, iPhone, Android and tablets in Excel (2019, 2021, Microsoft 365) and Google Sheets. Set it up on a computer first, then tick from your phone. Not supported in Apple Numbers.\u003c\/p\u003e\n\u003cimg class=\"\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/works-on-any-device-excel-google-sheets.webp\" alt=\"Spreadsheets on laptop, tablet and phone in Excel and Google Sheets\" loading=\"lazy\" decoding=\"async\"\u003e\n\u003cdiv class=\"ark-cta\"\u003e\n\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access  ·  🔒 One-time payment  ·  ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection\u003e\u003cspan class=\"ark-eyebrow\"\u003eFAQ\u003c\/span\u003e\n\u003ch2\u003eFrequently Asked Questions\u003c\/h2\u003e\n\u003cdiv style=\"max-width: 820px; margin: 26px auto 0;\"\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhich version of Excel do I need?\u003c\/summary\u003e\n\u003cp\u003eExcel 2019, Excel 2021 or Microsoft 365 on Windows or Mac. Apple Numbers and very old Excel versions are not supported.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eHow do I get the files after I buy?\u003c\/summary\u003e\n\u003cp\u003eInstantly: download the ZIP on the thank-you page, and we email you the link too. It contains the 4 Excel files and the PDF guide with the Google Sheets copy links.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eDo I need a Google account for the Google Sheets version?\u003c\/summary\u003e\n\u003cp\u003eYes, a free Google account. Click the Make-a-copy link in the PDF and the file is saved to your own Drive.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eCan I customise categories, habits and people?\u003c\/summary\u003e\n\u003cp\u003eYes. Rename categories and sub-categories, set budgets, add up to 25 habits and list your team in each file's Settings tab.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWill it work next year?\u003c\/summary\u003e\n\u003cp\u003eYes. Save a copy, change the year in Settings, and your recurring bills and tasks roll forward automatically.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs my financial data private?\u003c\/summary\u003e\n\u003cp\u003eYes. The files live on your computer or in your own Google Drive and never connect to your bank.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eCan I use it on my phone?\u003c\/summary\u003e\n\u003cp\u003eYes, with the Google Sheets or Excel app. We recommend doing the first setup on a computer.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhat's your refund policy?\u003c\/summary\u003e\n\u003cp\u003eA 7-day money-back guarantee. Email contact@arkeonic.com with your order number.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"ark-final\"\u003e\n\u003ch2\u003eTake Charge of Your Money, Habits and Time, Starting Tonight.\u003c\/h2\u003e\n\u003cp style=\"opacity: .9;\"\u003e4 automated spreadsheets · 56 tabs · Excel + Google Sheets · PDF guide\u003c\/p\u003e\n\u003cdiv style=\"margin-top: 20px;\"\u003e\u003ca class=\"ark-btn\" href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Full Bundle for $12\u003c\/a\u003e\u003c\/div\u003e\n\u003cp class=\"ark-trust\"\u003e⚡ Instant access · 🔒 One-time payment · ↺ 7-day money-back guarantee\u003c\/p\u003e\n\u003cp style=\"font: 800 16px Poppins,sans-serif; letter-spacing: .12em; margin-top: 22px!important;\"\u003eAUTOMATE. ORGANIZE. ACHIEVE.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"ark-sticky\"\u003e\n\u003cspan\u003eLife Organizer · $12\u003c\/span\u003e\u003ca href=\"\/cart\/VARIANT_ID:1\"\u003eGet the Bundle\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"ARKEONIC","offers":[{"title":"Default Title","offer_id":53164493439263,"sku":null,"price":27.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/debt-payoff-savings-goals-tracker.webp?v=1793217216"}],"url":"https:\/\/www.arkeonic.com\/collections\/budget-spreadsheet.oembed","provider":"ARKEONIC","version":"1.0","type":"link"}