What it is
Twelve monthly dashboards under one annual view, so a bad February is visible in March rather than next January. Income and outgoings split by category, sinking funds for the costs that only look like surprises, a debt calculator, a net-worth line and an investment forecast — all feeding the same annual total. The 50/30/20 tab is there if you want a rule to argue with; ignore it and the sheet still works.
What is inside
- 1Twelve monthly dashboards rolling into one annual total
- 2Bank-account tracker across current, savings and credit
- 3Sinking funds, so the annual bills stop ambushing you
- 4Debt calculator and net-worth tracker on the same page as the budget
- 5Investment forecast and no-spend challenges
- 6Automated calendar that marks what falls due when
How it reaches you
- You pay once
- Stripe takes the card. No account needed to buy — make one afterwards if you want the sheet listed in your account.
- Google makes the copy
- You land on Google's own 'make a copy' screen. The new file is created inside your Drive, on your account, not ours.
- It stays yours
- From that second we cannot open it, edit it, or take it back. A refund stops future downloads from us; it never reaches into your Drive.
1
2
3
SheetMatters VIP
See what VIP coversOne membership for every sheet.
VIP opens every system in the catalogue and keeps you on the newest major version of each — a new major version is a new file, and members get it. Stop paying and nothing is taken back: the sheets you copied are already sitting in your Drive.