SpendFlow Studio
Digital download · Instant access

Money systems that feel calm.

Fifty spreadsheet templates for budgeting, weddings, real estate, and investing. Built in Excel and Google Sheets. Yours to keep, forever.

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4.9 average · 12,000+ downloads · Excel and Google Sheets
spending-flow-2026.xlsx
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Net worth$184,200.00
Savings rate26%
Saved$1,790.00
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Excel & Sheets
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Why SpendFlow

Calm by design, honest by default

Built in Excel and Google Sheets

Open it anywhere. No new app to learn, and no lock-in.

Instant download, yours forever

Buy once and keep it. Free updates, and no subscription.

Real formulas, nothing to set up

Replace the sample numbers. Every total and chart updates itself.

The reading nook

Made for the quiet hour, a coffee,
and a plan that finally fits.

No hustle. No noise. Just a calmer way to hold your money.
In their words

Quietly, it works

I finally know where my money is going, without an app nagging me every day.
Maya R. · New parent
Opened it in Google Sheets and it just worked. The dashboard is what sold me.
Daniel K. · Freelancer
We plan our money together now. The couples budget made it painless.
Priya & Sam · Married in 2025
Free template

One free template, plus new releases. No noise.

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