Monthly Budget & Savings Tracker — Google Sheets + Offline App
Track income, expenses, and savings goals — includes a Google Sheets template AND a standalone offline app. No login, no subscription, no budgeting app fees.
$19.00
**Get control of your money without fighting your spreadsheet.**
The **Monthly Budget & Savings Tracker** is a complete income, expense, and savings system for anyone who wants to know exactly where their money goes — without paying monthly for Mint, YNAB, or apps that sync your bank and then sell your data.
If you've ever opened your bank app at the end of the month and thought, "Where did my money actually go?" — this fixes that.
**This purchase includes two versions — use whichever fits your setup:**
**Version 1 — Standalone Offline App (monthly-budget-tracker.html)**
Open in any browser. No login. No internet required after download. Your data saves automatically in your browser and never leaves your device. Full dark-mode UI with a live dashboard, spending charts, and savings goal progress bars.
**Version 2 — Google Sheets Template**
The classic spreadsheet version. Open the link, make a copy to your Google Drive, and you're running. All formulas, dropdowns, and charts pre-built.
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### What's Inside (5 Tabs)
**📊 Dashboard**
See total income, total spending, total saved, and net cash flow at a glance. Top spending categories table shows where your money goes. Two live charts: monthly cash flow (income vs. expenses) and spending by category breakdown.
**💵 Income**
Track every paycheck, freelance payment, side hustle deposit, or other income source. Categorize by Salary, Freelance, Side Hustle, Investment, Gift, or Other.
**💸 Expenses**
Log spending by category — Housing, Groceries, Transport, Dining Out, and more. Tag each expense as a Need or Want. Track payment method for a cleaner picture of where debt spending is hiding.
**🎯 Savings Goals**
Set goals like emergency fund, vacation, or debt payoff. Track target amount, how much you've saved, remaining balance, and target date. Progress bar updates automatically. Status badges: On Track, Behind, Reached, Paused.
**📆 Monthly Summary**
Automatic month-by-month table showing income, total spending, needs vs. wants split, and net cash flow for each month. Includes a combined income/expense/net chart.
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### Who This Is For
✓ People who want a simple monthly budget system
✓ Anyone trying to save more consistently
✓ Couples or individuals who want a clear view of cash flow
✓ Side hustlers balancing irregular income
✓ Spreadsheet users who want something cleaner than starting from scratch
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### What You Get
✓ **Standalone offline app** (monthly-budget-tracker.html) — open in any browser, no internet needed
✓ **Google Sheets template** — copy to your Drive and run immediately
✓ Fully built formulas, dropdowns, and charts — nothing to configure
✓ Need vs. Want expense tagging — see exactly how much you're spending on wants
✓ Savings goals with visual progress bars
✓ Sample data included in both versions so you can see it in action immediately
✓ One-time purchase — use it forever
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### How It Works
**Offline App:**
1. Purchase and download
2. Open monthly-budget-tracker.html in any browser
3. Sample data is pre-loaded — explore all 5 tabs
4. Add your real income and expenses — data saves automatically in your browser
**Google Sheets:**
1. Open the Google Sheets link
2. Make your own copy to save it in Google Drive
3. Delete sample data and start logging your income and expenses
No subscriptions. No bank syncing. No data sold to advertisers.
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### Frequently Asked Questions
**Do I need any technical setup?**
No. The HTML app opens directly in any browser. The Sheets template is ready the moment you make a copy.
**Does this work in Excel?**
It is built for Google Sheets. It may open in Excel, but dropdowns and charts may need minor adjustments.
**Do I need spreadsheet experience?**
No. You only fill in the input cells. All calculations are already built.
**Can I reuse it next year?**
Yes. Make a fresh copy at the start of each new year.
**Is this for couples or individuals?**
Works for both. It tracks combined household income and expenses without any multi-user setup.
**Refund policy?**
Because this is a digital product, all sales are final. If you run into any issues getting set up, email support@clearsheetz.com and I will help.
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*Know where every dollar went. Build the savings habit that sticks.*
**Refund policy?**
Because this is a digital product, all sales are final. If you run into issues, email support@intacon-studios.com and I will help.
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*Simple, clear, and built to be used every month.*