{"title":"Money Trackers","description":"\u003cp\u003eThese are the everyday trackers for staying on top of your money. Between them they cover your spending, your bills and subscriptions, your savings goals, your debt, and your net worth, so you always know where you stand. Each one works in Excel or Google Sheets.\u003c\/p\u003e","products":[{"product_id":"bill-tracker-spreadsheet-subscription-planner-excel-google-sheets-digital-download","title":"Bill Tracker Spreadsheet | Subscription Planner | Excel Google Sheets (Digital Download)","description":"\u003cp\u003e\u003cstrong\u003eFind the subscriptions quietly draining your account, and never miss a due date again.\u003c\/strong\u003e This bill and subscription planner puts every recurring charge in one place, flags the ones you barely use, and lays your whole month out on a calendar so late fees stop happening. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe Waste Calculator\u003c\/h3\u003e\n\u003cp\u003eIt surfaces low-use subscriptions and totals what they cost you per month and per year, so cancelling even one forgotten service can pay for the planner many times over.\u003c\/p\u003e\n\n\u003ch3\u003eThe Audit Tool\u003c\/h3\u003e\n\u003cp\u003eA simple four-question check scores each subscription and gives a clear verdict: keep, review or cancel. No more guessing whether a service still earns its place.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with dashboard, calendar and audit tools\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — add your bills and subscriptions\u003c\/li\u003e\n\u003cli\u003eDashboard — total monthly and annual cost at a glance\u003c\/li\u003e\n\u003cli\u003eCalendar — every bill and due date on a month view with payment status\u003c\/li\u003e\n\u003cli\u003eWaste Calculator — low-use subscriptions flagged with their cost\u003c\/li\u003e\n\u003cli\u003eAudit Tool — keep, review or cancel scoring\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnyone with more subscriptions than they can remember\u003c\/li\u003e\n\u003cli\u003ePeople who keep getting hit with late fees\u003c\/li\u003e\n\u003cli\u003eHouseholds wanting one clear view of recurring costs\u003c\/li\u003e\n\u003cli\u003eAnyone trying to trim monthly spending fast\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. Savings examples are illustrative and depend on your own subscriptions. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274168766657,"sku":null,"price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8048351728_nz8c.jpg?v=1780070916"},{"product_id":"savings-goal-tracker-spreadsheet-excel-google-sheets-template-digital-download","title":"Savings Goal Tracker Spreadsheet | Excel Google Sheets Template (Digital Download)","description":"\u003cp\u003e\u003cstrong\u003eTurn a vague wish list into a real savings plan with targets, dates and visible progress.\u003c\/strong\u003e This tracker gives every goal a number and a deadline, splits your income with a built-in 50\/30\/20 calculator, and shows how small, steady saving adds up over time. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe 50\/30\/20 Calculator\u003c\/h3\u003e\n\u003cp\u003eEnter your income and it splits it into needs, wants and savings with both percentages and dollar amounts, so you know exactly how much can go toward goals each month.\u003c\/p\u003e\n\n\u003ch3\u003eSmall habits, real results\u003c\/h3\u003e\n\u003cp\u003eA simple projection shows how a modest daily amount grows over one month, one year, three years and five years, turning \"I should save more\" into a clear, motivating number.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with calculator, goals and milestone views\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — income and your goals\u003c\/li\u003e\n\u003cli\u003eDashboard — total target, amount saved and overall progress\u003c\/li\u003e\n\u003cli\u003e50\/30\/20 Calculator — needs, wants and savings split\u003c\/li\u003e\n\u003cli\u003eGoals — each goal with target, date and progress\u003c\/li\u003e\n\u003cli\u003eHabit Projection — how steady saving grows over time\u003c\/li\u003e\n\u003cli\u003eMilestones — 25%, 50%, 75% and 100% markers to celebrate\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnyone saving for a trip, a purchase or an emergency fund\u003c\/li\u003e\n\u003cli\u003ePeople who set goals but lose track of them\u003c\/li\u003e\n\u003cli\u003eBeginners who want a simple income split\u003c\/li\u003e\n\u003cli\u003eAnyone motivated by visible progress\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. Figures shown are illustrative and depend on your inputs. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274170241217,"sku":null,"price":6.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8095937631_oagz.jpg?v=1780071142"},{"product_id":"spending-tracker-spreadsheet-beginner-budget-template-excel-google-sheets","title":"Spending Tracker Spreadsheet | Beginner Budget Template (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eThe simplest way to see where your money goes, designed so you actually keep using it.\u003c\/strong\u003e Logging an expense takes about 30 seconds: type the amount, pick a category, done. The dashboard updates itself, and a clear budget status tells you which categories are on track and which are slipping. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eSo simple you will keep it up\u003c\/h3\u003e\n\u003cp\u003eNo complicated setup and no second job. Type an amount, choose a category, and the auto dashboard recalculates income, expenses, net balance and savings on its own. Because it is fast, the habit sticks.\u003c\/p\u003e\n\n\u003ch3\u003eCategory budget status at a glance\u003c\/h3\u003e\n\u003cp\u003eEach category gets a progress bar and a plain-language status such as on budget or slightly over, so you can correct course before the month gets away from you.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBeginner-friendly Excel file with an auto dashboard\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — income and your categories\u003c\/li\u003e\n\u003cli\u003eAuto Dashboard — income, expenses, net balance and savings\u003c\/li\u003e\n\u003cli\u003eDaily Log — the 30-second expense entry\u003c\/li\u003e\n\u003cli\u003eCategory Status — progress bars and budget verdicts\u003c\/li\u003e\n\u003cli\u003eSavings Goals — progress toward each goal\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBeginners setting up their first budget\u003c\/li\u003e\n\u003cli\u003eAnyone who has abandoned complicated trackers\u003c\/li\u003e\n\u003cli\u003ePeople who want clarity without spreadsheets skills\u003c\/li\u003e\n\u003cli\u003eAnyone who wants to log spending in seconds\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. Figures shown are illustrative and depend on your inputs. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274175418561,"sku":null,"price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8047992154_kc4k.jpg?v=1780071165"},{"product_id":"net-worth-tracker-spreadsheet-excel-google-sheets-financial-planner","title":"Net Worth Tracker Spreadsheet | Excel Google Sheets Financial Planner","description":"\u003cp\u003e\u003cstrong\u003eOne number tells you whether you are actually getting ahead: your net worth.\u003c\/strong\u003e This tracker totals your assets, subtracts your liabilities, and charts the result month after month so you can watch your wealth story unfold and see the next milestone coming. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eAssets minus liabilities, tracked over time\u003c\/h3\u003e\n\u003cp\u003eLog what you own and what you owe, and the dashboard calculates net worth, the monthly change and the percentage change across a 12-month view, turning scattered accounts into one clear trend.\u003c\/p\u003e\n\n\u003ch3\u003eMilestones and liability paydown\u003c\/h3\u003e\n\u003cp\u003eA milestone projection estimates when you reach each wealth level based on your savings rate and expected growth, while the liability section tracks how fast you are paying down mortgage, auto, student and other debts.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with dashboard, 12-month chart and milestones\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — savings rate and growth assumptions\u003c\/li\u003e\n\u003cli\u003eDashboard — net worth, next milestone and asset breakdown\u003c\/li\u003e\n\u003cli\u003eAssets — cash, investments, retirement, property and more\u003c\/li\u003e\n\u003cli\u003eLiabilities — mortgage, auto, student, credit card and personal loans\u003c\/li\u003e\n\u003cli\u003e12-Month Growth — net worth, change and percentage change\u003c\/li\u003e\n\u003cli\u003eMilestones — projected dates for each wealth level\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnyone who wants one clear measure of financial progress\u003c\/li\u003e\n\u003cli\u003ePeople paying down debt and building assets at once\u003c\/li\u003e\n\u003cli\u003eLong-term savers tracking milestones\u003c\/li\u003e\n\u003cli\u003eAnyone tired of guessing whether they are ahead\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal tracking only. Projections rely on assumptions you set and are illustrative, not guarantees; this is not financial advice. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274180038849,"sku":null,"price":6.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8095866007_mk5x.jpg?v=1780071196"},{"product_id":"wealth-tracker-spreadsheet-money-health-score-fire-calculator-investment-dashboard-excel-google-sheets","title":"Wealth Tracker Spreadsheet | Money Health Score, FIRE Calculator \u0026 Investment Dashboard | Excel + Google Sheets","description":"\u003cp\u003eThe finance dashboard for people who want to build wealth, not just track last month's coffee.\u003c\/p\u003e\n\u003cp\u003eMost budget templates tell you where your money went. This one shows you where your money is going for the rest of your life. You enter your numbers once. The workbook does the math, draws the charts, and grades your whole financial life with a single Money Health Score. Then it tells you the one thing to work on this week.\u003c\/p\u003e\n\u003ch3\u003eWhy this one is different\u003c\/h3\u003e\n\u003cp\u003eA Money Health Score from 0 to 100, built from six real checks on your money. A FIRE calculator that shows the nest egg that sets you free, and how many years away it is. Net worth projections that grow your number forward for 30 years. Works in both Excel and Google Sheets, online or offline. No lock-in.\u003c\/p\u003e\n\u003ch3\u003eWhat is inside (13 connected tabs)\u003c\/h3\u003e\n\u003cp\u003eHome setup in plain language. Wealth Dashboard, your whole picture on one screen. Money Health Score, six pillars and one number. Assets and Debts, with the costliest debt flagged first. Net Worth history with an auto trend. Projections across 5, 10, 20, and 30 years. FIRE calculator, your finish line and timeline. Investments, your mix and where it drifts. Goals with target dates. Emergency Fund builder. Savings Rate tracker. Annual Review.\u003c\/p\u003e\n\u003ch3\u003eThe signature feature\u003c\/h3\u003e\n\u003cp\u003eYour Money Health Score blends savings rate, emergency fund, debt load, investing, net worth trend, and liquidity into one honest number with a letter grade. The dashboard reads your weakest pillar and tells you, in plain words, what to fix first.\u003c\/p\u003e\n\u003ch3\u003eIt feels alive\u003c\/h3\u003e\n\u003cp\u003eType a number anywhere and the workbook redraws itself. Doughnut charts, a rising net worth line, progress bars, and cells that turn green when you are on track and gold when to watch. You never format anything by hand.\u003c\/p\u003e\n\u003ch3\u003eUse it anywhere\u003c\/h3\u003e\n\u003cp\u003eAny currency. Computer, tablet, or phone. A free Google account is all you need for Google Sheets, or open it in Excel.\u003c\/p\u003e\n\u003ch3\u003eWhat you receive\u003c\/h3\u003e\n\u003cp\u003eThe Wealth Command Center workbook, 13 tabs. A premium Quick Start guide (PDF). Free updates, and a real person to answer your questions.\u003c\/p\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\n\u003cp\u003eThis is a digital download. Nothing physical is shipped. Your data stays in your own file and is never sent anywhere. This workbook is for general information and is not personalized financial advice. For personal use by the original buyer. Buy once. Use it forever.\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50279268090049,"sku":null,"price":10.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8129143511_n4ix.jpg?v=1780237422"}],"url":"https:\/\/spendflowstudio.com\/collections\/money-trackers.oembed","provider":"SpendFlow Studio","version":"1.0","type":"link"}