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

The CalmNCalculated Budget Planner is a browser-based budgeting app for couples and families, sold as a one-time $19.99 digital download on Etsy. It covers 12 months across 10 screens and three budgeting methods, and comes with an .xlsx workbook and a 128-page printable pack.

Play with the real app Get it on Etsy

$19.99one-time purchase on Etsy

One-time purchase Stays on your device Works offline
What could you actually keep?
Live · drag me
Money in, each month$6,400
Share you keep18%
18%kept
$1,152
put aside every month
$13,824 in twelve months
Month 1Month 12

Try the Budget Planner free, right here

This is the real app, running on this page with sample data.

Budget Planner: one file, running in your browser

The whole app, right here.

Click around, add an expense, close a month.

Prefer a full window? Open the demo full-screen.

How the Budget Planner works, month by month

Four moments from a month in the Budget Planner.

Any given morning

Open it. Know in five seconds.

What came in, what went out, what's left: the dashboard answers are we okay?

The 1st of the month

Bills tick themselves off.

Every fixed cost in one grid, marked paid as it happens. The subscription audit totals what your recurring charges cost 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.

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.

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

Inside the app: 10 screens

  1. Dashboard
  2. Monthly Budget (pictured)
  3. Bills & Recurring
  4. Expense Log
  5. Income
  6. Savings & Goals
  7. Sinking Funds
  8. Debt
  9. Monthly Close (pictured)
  10. Year in Review
  • 12 months planned
  • 3 budget methods: zero-based, 50/30/20, envelope
  • 2 earners, one shared plan
  • a 12-tab Excel & Google Sheets workbook, in the same download
  • the free 52-page book The Calm Money Method, included with the planner
The Monthly Budget screen in the CalmNCalculated Budget Planner, showing each category against what was budgeted for the month
Monthly Budget
The Monthly Close screen in the CalmNCalculated Budget Planner, showing the month being reviewed and closed off
Monthly Close

Three editions. The same twelve months.

One download holds all three.

The app

One HTML file that opens in any browser. It does the arithmetic and works offline.

  • 10 connected screens
  • Sample data you can load and clear in one click
Play with it on this page
Pick this if you want the arithmetic done for you.

The workbook

An .xlsx with live formulas, native charts and a payoff simulation. Works in Excel and Google Sheets; it also opens in Apple Numbers, with limits.

  • Twelve tabs, formulas already written
  • Native charts
See a two-month sample
Pick this if you'd rather work in a spreadsheet.

The printable pack

128 pages, each design set once for A4 and once for US Letter.

  • 64 designs, both paper sizes
  • Every page prints the formula beside the blank
Pick this if a pen and a page keeps you honest.

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

The built-in subscription audit lists every recurring charge and totals its cost across the year.

Your subscriptions, per month$95

That's what those subscriptions add up to.

The Budget Planner is bought once, so five years from now it still costs what you paid.

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.

Budget Planner specifications

A workbook and a printable pack come in the same download.

What it is
A budget planner and expense tracker: a browser app, an Excel and Google Sheets workbook, and a printable pack
Who it's for
Couples and families budgeting together
Budgeting methods
Zero-based, 50/30/20, envelope
Time span
12 months, with a monthly close and a Year in Review
Screens
10: dashboard, monthly budget, bills & recurring, expense log, income, savings & goals, sinking funds, debt, monthly close, year in review
In the download
Five files: the app, the .xlsx workbook (12 tabs), the 128-page printable pack, a Quick Start guide, and the free 52-page book The Calm Money Method
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
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 it once on Etsy and nothing renews.
Where is my data stored?
In your own browser, on your own device. Nothing you type is sent to us. Clearing your browser data clears the app, so keep a copy of anything you'd hate to lose.
What formats does it come in?
Three, in one download: an interactive app that opens in any browser, an .xlsx workbook for Excel or Google Sheets (it also opens in Apple Numbers, with limits), and a 128-page printable pack set once for A4 and once for US Letter. All three cover the same twelve months.
Do I need Excel or Google Sheets?
No. The app runs on its own in any modern browser. The .xlsx workbook is optional.
Does it work offline?
Yes. The app is a single HTML file, 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, with separate income sources and one shared plan. Each device keeps its own copy, so you share the file rather than sync it live.
What exactly do I get?
Five files: the planner app, an .xlsx workbook with twelve tabs, a 128-page printable pack in A4 and US Letter, a Quick Start guide, and the free 52-page book The Calm Money Method. The app has 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, including Windows, Mac, iPad, Android and Linux.
How do I get the file after I buy it?
It's an instant download from Etsy. Once Etsy confirms payment, the file is in your Etsy Purchases, and you can download it again any time you're signed in.

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

The file you buy is the app above, minus the sample numbers.

Get it on Etsy Keep playing full-screen
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Sixteen planners for life's big moments

Every one is bought once, opens in your browser, and is free to try.

See them all with screenshots & prices

Budget Planner
$19.99 one time · try it free above
Play with it Get it on Etsy