Do I need Excel or Google Sheets to use the budget planner?

No. The Budget Planner runs on its own in any modern browser. It exports CSV files that open in Excel and Google Sheets if you want your numbers there, but it doesn't need either to work.

Budget Planner for Couples & Families

Try the Budget Planner free, right here

This is the actual product, running on this page with sample data — not a video, not screenshots. If you like it, the file you buy is this, minus the sample numbers.

Budget Planner — one file, running in your browser

The whole app, right here.

Loads in a second. Click around, add an expense, close a month — it's yours to break.

Prefer a full window? Open the demo full-screen — same thing, more room.

How the Budget Planner works, month by month

Four moments from a month in the Budget Planner — the screen changes as you read.

Any given morning

Open it. Know in five seconds.

What came in, what went out, what's left. The dashboard answers the only question that matters most days — are we okay? — before your coffee's ready.

The 1st of the month

Bills tick themselves off.

Every fixed cost in one grid, marked paid as it happens. And the subscription audit quietly totals what all those "small" recurring charges cost you a year.

Payday

Watch the good numbers grow.

A rainy-day fund measured in months of cover, goals with rings that fill, and a 52-week challenge if you like a game. Saving gets a scoreboard.

Month's end

Close the month. See the year.

A short monthly close, then Year in Review lines up all twelve months — best savings month, biggest category, most improved. Patterns you can't see from inside a week.

Budget planner dashboard showing money in, money out and what is left for the month

Bills and recurring charges grid with a subscription audit totalling what subscriptions cost per year

Savings goals with progress rings, an emergency fund measured in months of cover, and a 52-week challenge

Year in Review comparing all twelve months — best savings month, biggest spending category, most improved

Dashboard Bills & Recurring Savings & Goals Year in Review

What's inside: 9 screens, 12 months, 3 budget methods

Everything else worth knowing — no reading required.

Monthly Budget

working screens

months planned

budget methods — zero-based, 50/30/20, envelope

earners, one shared plan

Monthly Close

servers — your figures never leave your device

per month, forever — you buy it once

exports to Excel & Google Sheets

a Help tab inside, so the manual travels with the file

The built-in subscription audit: what recurring charges cost you a year

Subscriptions are the quietest leak in a budget. The Budget Planner has a built-in subscription audit that lists every recurring charge and totals what it costs across the year — here's a taste with your own number.

Your subscriptions, per month$95

That's what those subscriptions add up to.

The Budget Planner is bought once. Five years from now it still costs what you paid — and it's the thing that showed you the number above.

The Bills and Recurring screen in the CalmNCalculated Budget Planner, with the subscription audit totalling seven subscriptions per month and across the year

Bills & Recurring — the subscription audit, running on the sample data.

No account. No cloud. No catch.

It's one HTML file that runs in your browser. That single fact is what makes all four of these true.

accounts

Nothing to sign up for. No email, no password.

servers

There is nowhere for your figures to be sent.

renewals

Bought once on Etsy. Nothing recurring, ever.

connection needed

Works fully offline once the file is on your device.

That last one is the proof of the others. An app that keeps working with the internet switched off is an app that isn't sending anything anywhere.

Budget Planner specifications

It isn't a spreadsheet — it's an app — but it exports CSV files that open straight in Excel and Google Sheets whenever you want the numbers there.

What it is: A budget planner and expense tracker that runs as one HTML file in your web browser
Who it's for: Couples and families budgeting together — two income sources, one shared plan
Budgeting methods: Zero-based, 50/30/20, envelope
Time span: 12 months, with a monthly close and a Year in Review
Screens: 9 — dashboard, monthly budget, bills & recurring, expense log, income, savings & goals, debt, monthly close, year in review
Exports: CSV files that open in Excel and Google Sheets
Where data is stored: In your own browser, on your own device. No server, no account, no sync.
Internet required: No — works fully offline once downloaded
Works on: Windows, macOS, iPad, Android, Linux — anything with a modern browser
Delivery: Instant digital download from Etsy
Pricing model: One-time purchase. No subscription, no recurring fee.

Budget Planner FAQ

Is there a subscription?

No. You buy the file once on Etsy and it's yours. Nothing renews and there's no account to keep.

Where is my data stored?

In your own browser, on your own device. Nothing you type is sent to us — we have no server that could receive it. That also means clearing your browser data clears the app, so keep a copy of anything you'd hate to lose.

Do I need Excel or Google Sheets?

No. The Budget Planner runs on its own in any modern browser. It exports to Excel and Google Sheets if you want your numbers there, but it doesn't need either to work.

Does it work offline?

Yes. It's a single file that opens in your browser, so once you have it you don't need to be online.

Can my partner use it too?

Yes — it's built for two people budgeting together, with separate income sources and one shared plan. Each device keeps its own copy, so you'd share the file rather than sync it live.

What exactly do I get?

The planner file itself, a Help tab built into the app so the manual travels with it, and sample data you can load and clear in one click. Light and dark mode, and print-friendly views.

What devices does it work on?

Any device with a modern web browser — Windows, Mac, iPad, Android tablet, phone or Linux. There is nothing to install and no account to create.

How do I get the file after I buy it?

It's an instant digital download from Etsy. As soon as Etsy confirms your payment the file is in your Etsy Purchases, and you can download it again from there any time you're signed in.

You've already used it. That was the demo.

If the app above felt right, the file you buy is exactly that — minus the sample numbers, plus a year of your real life getting calmer.

Get it on Etsy Keep playing full-screen

Pairs well with

Debt Payoff Tracker

Snowball or avalanche, a payment plan you can follow, and a what-if lab for "what if I paid $50 more". Same one-time purchase, same private-by-default design.

Try the Debt Payoff Tracker

A budget planner for couples and familiesOne calm place for your spending.bills.goals.year.