{"title":"Money Spreadsheets","description":"\u003cp\u003eBudget, paycheck, debt payoff and savings spreadsheets for Excel and Google Sheets. Type in your numbers; the math is done for you.\u003c\/p\u003e","products":[{"product_id":"the-calm-budget","title":"The Calm Budget — Monthly \u0026 Yearly Budget Spreadsheet","description":"\u003cp\u003e\u003cstrong\u003eKnow where your money went this month — without doing any math.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eIf budgeting has always meant a messy notes app or a spreadsheet you built at midnight and never opened again, The Calm Budget is the simpler version. Type in what you earn and spend; it does the adding, comparing and charting for you.\u003c\/p\u003e\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly view:\u003c\/strong\u003e pick a month and see budget vs. actual for every category, with anything over budget gently flagged\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFour numbers that matter:\u003c\/strong\u003e money in, spent, saved and left over — plus your savings rate\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYear at a Glance:\u003c\/strong\u003e all 12 months side by side, by category, with a trend chart\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYour categories, your way:\u003c\/strong\u003e 19 ready-made categories you can rename, plus room for up to 40\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFast logging:\u003c\/strong\u003e pick categories from a dropdown; up to 2,000 transactions a year\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\u003cp\u003ePeople who want a clear monthly picture without learning budgeting software, paying a subscription or linking their bank account.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eThe Calm Budget spreadsheet (5 tabs: Start Here, Setup, Transactions, Monthly, Year at a Glance)\u003c\/li\u003e\n\u003cli\u003eA few example entries so you can see how it works (easy to delete)\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eFormat \u0026amp; compatibility\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOne .xlsx file\u003c\/li\u003e\n\u003cli\u003eWorks in Microsoft Excel (2010 and newer, Windows \u0026amp; Mac), Excel for the web and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eNot designed for Apple Numbers\u003c\/li\u003e\n\u003cli\u003eA \u003cem\u003eStart Here\u003c\/em\u003e tab walks you through setup in plain language\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eInstant delivery\u003c\/h3\u003e\u003cp\u003eYour download link arrives by email in your order confirmation, right after checkout. Download it on a computer for the easiest setup. Can't find the email? Contact us and we'll resend it.\u003c\/p\u003e\u003ch3\u003eOur promise\u003c\/h3\u003e\u003cp\u003eIf the file won't open or doesn't work as described, contact us within 14 days and we'll fix it, or refund you. Because downloads can't be returned, we don't offer refunds for change of mind. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003csmall\u003eA planning and organizing tool, not financial advice. Personal use only.\u003c\/small\u003e\u003c\/p\u003e","brand":"Linen \u0026 Ledger","offers":[{"title":"Default Title","offer_id":49768453210368,"sku":"LL-CALM","price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0859\/4155\/1360\/files\/calm-budget-1.jpg?v=1789534902"},{"product_id":"paycheck-and-bills-planner","title":"Paycheck \u0026 Bills Planner — Biweekly Budget Spreadsheet","description":"\u003cp\u003e\u003cstrong\u003eStop wondering if this paycheck has to cover rent.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eMost budgets are monthly, but most paychecks aren't. This planner lines up your bills against your actual paydays so you can see — weeks ahead — which check pays what, and when a tight one is coming.\u003c\/p\u003e\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eAutomatic bill placement:\u003c\/strong\u003e each bill lands in the paycheck that arrives before its due date\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLeft to spend\u003c\/strong\u003e for every paycheck, after bills and a savings set-aside you choose\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eShortfalls highlighted\u003c\/strong\u003e so you can plan for them early\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA full year:\u003c\/strong\u003e 26 paychecks and up to 40 bills\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly bill checklist\u003c\/strong\u003e with due dates you can tick off\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\u003cp\u003eBuilt for weekly or every-two-weeks pay. If you're paid twice a month on set dates, it works as a close approximation. Bills due on the 29th–31st are entered as the 28th so they're never missed.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\u003cli\u003ePaycheck \u0026amp; Bills Planner spreadsheet (Start Here, Setup, Bills, Paycheck Plan, Bill Checklist)\u003c\/li\u003e\u003c\/ul\u003e\u003ch3\u003eFormat \u0026amp; compatibility\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOne .xlsx file\u003c\/li\u003e\n\u003cli\u003eWorks in Microsoft Excel (2010 and newer, Windows \u0026amp; Mac), Excel for the web and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eNot designed for Apple Numbers\u003c\/li\u003e\n\u003cli\u003eA \u003cem\u003eStart Here\u003c\/em\u003e tab walks you through setup in plain language\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eInstant delivery\u003c\/h3\u003e\u003cp\u003eYour download link arrives by email in your order confirmation, right after checkout. Download it on a computer for the easiest setup. Can't find the email? Contact us and we'll resend it.\u003c\/p\u003e\u003ch3\u003eOur promise\u003c\/h3\u003e\u003cp\u003eIf the file won't open or doesn't work as described, contact us within 14 days and we'll fix it, or refund you. Because downloads can't be returned, we don't offer refunds for change of mind. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003csmall\u003eA planning and organizing tool, not financial advice. Personal use only.\u003c\/small\u003e\u003c\/p\u003e","brand":"Linen \u0026 Ledger","offers":[{"title":"Default Title","offer_id":49768454586624,"sku":"LL-PAY","price":15.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0859\/4155\/1360\/files\/paycheck-planner-1.jpg?v=1789534922"},{"product_id":"debt-payoff-planner","title":"Debt Payoff Planner — Snowball \u0026 Avalanche Calculator Spreadsheet","description":"\u003cp\u003e\u003cstrong\u003eSee your debt-free date — and what an extra $50 a month changes.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eList your debts once. Choose snowball (smallest balance first) or avalanche (highest interest first). The planner builds a month-by-month payoff schedule and shows the date each debt is paid, so you can compare methods in seconds.\u003c\/p\u003e\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eUp to 8 debts: credit cards, car loans, personal and student loans\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt-free date, months to go and total interest\u003c\/strong\u003e at the top\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRollover built in:\u003c\/strong\u003e when one debt is paid, its payment moves to the next\u003c\/li\u003e\n\u003cli\u003eFull 30-year month-by-month schedule\u003c\/li\u003e\n\u003cli\u003eFlags any debt whose minimum payment doesn't cover its interest\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\u003cp\u003eEstimates assume a fixed APR, monthly interest and no new charges, so your lender's figures may differ slightly. This is a planning tool, not financial advice.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\u003cli\u003eDebt Payoff Planner spreadsheet (Start Here, My Debts, Schedule)\u003c\/li\u003e\u003c\/ul\u003e\u003ch3\u003eFormat \u0026amp; compatibility\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOne .xlsx file\u003c\/li\u003e\n\u003cli\u003eWorks in Microsoft Excel (2010 and newer, Windows \u0026amp; Mac), Excel for the web and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eNot designed for Apple Numbers\u003c\/li\u003e\n\u003cli\u003eA \u003cem\u003eStart Here\u003c\/em\u003e tab walks you through setup in plain language\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eInstant delivery\u003c\/h3\u003e\u003cp\u003eYour download link arrives by email in your order confirmation, right after checkout. Download it on a computer for the easiest setup. Can't find the email? Contact us and we'll resend it.\u003c\/p\u003e\u003ch3\u003eOur promise\u003c\/h3\u003e\u003cp\u003eIf the file won't open or doesn't work as described, contact us within 14 days and we'll fix it, or refund you. Because downloads can't be returned, we don't offer refunds for change of mind. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003csmall\u003ePersonal use only.\u003c\/small\u003e\u003c\/p\u003e","brand":"Linen \u0026 Ledger","offers":[{"title":"Default Title","offer_id":49768455078144,"sku":"LL-DEBT","price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0859\/4155\/1360\/files\/debt-planner-1.jpg?v=1789534932"},{"product_id":"savings-goals-sinking-funds","title":"Savings Goals \u0026 Sinking Funds Tracker Spreadsheet","description":"\u003cp\u003e\u003cstrong\u003eGive every dollar you save a name, a target and a date.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eSaving is easier when you can see it working. Set a goal, log deposits as you go, and watch the progress bar fill. The tracker tells you how much to put aside each month to arrive on time.\u003c\/p\u003e\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eUp to 12 goals with progress bars (emergency fund, trip, new laptop…)\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePer-month target\u003c\/strong\u003e that updates as time passes\u003c\/li\u003e\n\u003cli\u003eDeposit log with a goal dropdown (withdrawals too)\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSinking funds planner:\u003c\/strong\u003e turns yearly costs like car registration or holiday gifts into a monthly amount\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\u003cli\u003eSavings Goals \u0026amp; Sinking Funds spreadsheet (Start Here, Goals, Deposits, Sinking Funds)\u003c\/li\u003e\u003c\/ul\u003e\u003ch3\u003eFormat \u0026amp; compatibility\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOne .xlsx file\u003c\/li\u003e\n\u003cli\u003eWorks in Microsoft Excel (2010 and newer, Windows \u0026amp; Mac), Excel for the web and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eNot designed for Apple Numbers\u003c\/li\u003e\n\u003cli\u003eA \u003cem\u003eStart Here\u003c\/em\u003e tab walks you through setup in plain language\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eInstant delivery\u003c\/h3\u003e\u003cp\u003eYour download link arrives by email in your order confirmation, right after checkout. Download it on a computer for the easiest setup. Can't find the email? Contact us and we'll resend it.\u003c\/p\u003e\u003ch3\u003eOur promise\u003c\/h3\u003e\u003cp\u003eIf the file won't open or doesn't work as described, contact us within 14 days and we'll fix it, or refund you. Because downloads can't be returned, we don't offer refunds for change of mind. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003csmall\u003eA planning and organizing tool, not financial advice. Personal use only.\u003c\/small\u003e\u003c\/p\u003e","brand":"Linen \u0026 Ledger","offers":[{"title":"Default Title","offer_id":49768455569664,"sku":"LL-SAVE","price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0859\/4155\/1360\/files\/savings-goals-1.jpg?v=1789534942"}],"url":"https:\/\/linenandledger.org\/collections\/money-spreadsheets.oembed","provider":"Linen \u0026 Ledger","version":"1.0","type":"link"}