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: 10 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

a 12-tab Excel & Google Sheets workbook, in the same download

the free 52-page book The Calm Money Method, included with the planner

Three editions. The same twelve months.

One download holds all three. Most people pick one and keep the others for what they're good at — nothing is locked, nothing expires, and you can change your mind in March.

The app

One HTML file that opens in any browser. It does the arithmetic, saves as you type, and keeps working with the internet switched off.

10 connected screens
Light and dark mode
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

A real .xlsx — not an export. Live formulas, native charts and a payoff simulation you type into. Opens in Excel, Google Sheets or Numbers.

Twelve tabs, formulas already written
Native charts, not pictures of charts
Lives happily in Drive

See a two-month sample

Pick this if you'd rather work in a spreadsheet.

The printable pack

128 pages for a pen and a clipboard. Every design is set once for A4 and once for US Letter, so you print whichever size your printer takes.

64 designs, both paper sizes
Every page prints the formula beside the blank
No printer settings to fight

Pick this if a pen and a page keeps you honest.

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.

The app is 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

The app isn't a spreadsheet — but a real Excel and Google Sheets workbook comes in the same download, along with a printable pack, so you can budget whichever way suits you.

What it is: A budget planner and expense tracker in three editions — a browser app, an Excel and Google Sheets workbook, and a printable pack
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: 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 — separate from the workbook edition, which is somewhere to budget rather than a snapshot
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.

What formats does it come in?

Three, in a single download: an interactive app that opens in any browser, an .xlsx workbook for Excel, Google Sheets or Numbers, and a 128-page printable pack set once for A4 and once for US Letter. All three cover the same twelve months, so you can pick one or move between them.

Do I need Excel or Google Sheets?

No. The app runs on its own in any modern browser. The download also includes a real .xlsx workbook if you would rather work in a spreadsheet — but the app needs neither.

Does it work offline?

Yes. The app is a single HTML 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?

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 that says which to open when, 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 — 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.