Google Sheets + Excel
The Honest Budget Spreadsheet: Complete
This is the full-picture version of our budget spreadsheet, adding sinking funds, net worth and percentage-of-income tracking to the same simple monthly system. It's for people whose budgeting habit has already stuck and who now want to see the whole balance sheet.
Last updated: August 2026
For when the habit's stuck and you want the full picture.
Everything in the $19 version, plus the full picture.
$29one-time
The complete tier. All of the simple spreadsheet, plus sinking funds for lumpy costs, a net worth statement with a 12-month growth projection, and a percentage-of-income column on every month.
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- Instant download
- 14-day money-back
- A human answers email
Or get everything — The Everything Bundle, $27 (save $8)
- Instant download after payment
- 14-day money-back guarantee
What's inside
- Monthly plan-vs-actual budget — every purchase gets one line
- Automatic dashboard — spending, saving rate, category totals
- Bill calendar so nothing sneaks up on you
- Debt payoff tracker built in
- Savings goals with progress bars
- 12 monthly tabs plus a year overview
- Sinking Funds tab — save monthly for lumpy costs, with a withdrawals log
- Net Worth tab — assets and debts statement plus a 12-month investment growth projection
- %-of-income column on every month
You get
- — Google Sheets version (one-click copy)
- — Excel .xlsx version
- — Quick-start guide
- — Free updates to this edition
Simple vs Complete
| What you get | Simple $19 | Complete $29 |
|---|---|---|
| 12 months + dashboard | ✓ | ✓ |
| Transaction log | ✓ | ✓ |
| Bills | ✓ | ✓ |
| Debt | ✓ | ✓ |
| Savings goals | ✓ | ✓ |
| Sinking funds | — | ✓ |
| Net worth + growth projection | — | ✓ |
| % of income | — | ✓ |
Not sure? Start Simple — upgrading later costs the difference, just email us.