A professional 9-tab budget tracker built in Excel / Google Sheets. No app subscriptions. No data sharing. One payment. Yours forever.
If you've ever wondered where your paycheck went, you're not alone. Most budgeting apps are complex, expensive, and harvest your financial data.
You deserve a simple, private, one-time tool that works the way you think.
No confusing menus. No learning curve. Open it, fill it in, watch clarity happen.
Your complete financial picture at a glance — income, expenses, savings rate, net worth, all live.
Personalize your name, currency, income, and 18 expense categories in under 2 minutes.
Log expenses with date, category, description, amount and payment method. Dashboard updates instantly.
Set monthly limits. See red / yellow / green status for every category automatically.
Track salary, freelance, passive income, digital product sales — all income streams, one place.
Set goals with target amounts and deadlines. Visual progress status updates automatically.
Track every debt — credit cards, loans, medical bills. Snowball your way to financial freedom.
Assets minus liabilities equals your real financial position. Updated in seconds.
Auto-generated monthly spending analysis — category breakdown, budget vs actual, trend alerts.
This isn't just a spreadsheet. It's a complete system.
Total value: $225
Today: $19.97
"I found $340/month I was wasting on subscriptions and dining I didn't even track. This paid for itself in the first week."
"Finally a budget tool that doesn't need my bank login. The privacy alone is worth it — and the spreadsheet is gorgeous."
"Set up in 5 minutes, exactly as advertised. I've been using it daily for 3 months. My savings went from $200/mo to $900/mo."
| Feature | YNAB | Mint | Quicken | Dinakar Budget Tracker |
|---|---|---|---|---|
| Monthly Fee | $14.99/mo | $17/mo | $6/mo | $0 (one-time) |
| Owns Your Data | ✗ | ✗ | ✗ | ✓ 100% Local |
| Works Offline | ✗ | ✗ | Partial | ✓ Always |
| Fully Customizable | ✗ | ✗ | Limited | ✓ Every cell |
| Net Worth Tracker | ✓ | ✓ | ✓ | ✓ Built-in |
| Debt Payoff Planner | ✓ | ✗ | ✓ | ✓ Built-in |
| 5-Min Setup | ✗ | ✗ | ✗ | ✓ Guaranteed |
| Cost After Year 1 | $180 | $204 | $72 | $0 Forever |
All plans include instant download. No recurring fees. Ever.
If you open the spreadsheet, follow the Quick Start Guide, and don't save at least $100 in your first month — email me for a full refund. No questions, no hassle, no hard feelings. I'm that confident this works.
Microsoft Excel (any version 2016 or later) or Google Sheets (free). The file works on Mac, Windows, or any device with Google Drive.
No. You pay once and own it forever. All future updates to the spreadsheet are included at no extra charge.
Instantly. PayPal will redirect you to a download page immediately after payment. You'll also receive an email with the download link.
Yes. The Setup tab lets you choose your currency. All formulas adapt automatically.
The Starter and Advanced licenses cover personal household use. The Reseller License allows you to give or sell copies to clients.
Absolutely. The Quick Start Guide walks you through every step with screenshots. The formulas are pre-built — you just type in numbers. If you can type your name, you can use this tracker.
Email support is included. Advanced and Reseller buyers get priority responses. There's also a 65-page user guide and troubleshooting section covering every common scenario.
5 minutes to set up. A lifetime of savings to gain. Don't wait another paycheck.
Get Instant Access — $19.97Instant download · 30-day money-back guarantee · No subscriptions