{"title":"Personal Finance","description":null,"products":[{"product_id":"emergency-fund-planner-tracker-google-84547","title":"Emergency Fund Planner \u0026 Tracker: Google Sheets Template (10 Tabs)","description":"\u003cp\u003eBuild your financial safety net with the most complete Emergency Fund Planner on Etsy! 🛡️\u003c\/p\u003e\n\u003cp\u003eThis premium Emerald Green Google Sheets template doesn't just track your fund — it calculates exactly how much you need (1, 3, 6, 9 \u0026amp; 12 months), forecasts your save-by date, logs every contribution, and celebrates milestones along the way. All across 10 powerful tabs with 152 auto-calculating formulas.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost emergency fund trackers are a single calculator OR a simple tracker. EasyVault gives you BOTH — a smart calculator that sizes your fund from your real expenses, plus a full tracking system with forecasting, contribution logging, progress charts, and milestone celebrations.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n🧮 Fund Calculator — Auto-calculates your 1, 3, 6, 9 \u0026amp; 12-month targets\u003cbr\u003e\n🎯 Fund Tracker — Goal, balance, % funded, months covered \u0026amp; timeline\u003cbr\u003e\n📊 Dashboard — Progress pie chart, coverage gauge \u0026amp; key metrics\u003cbr\u003e\n💰 Contribution Log — 100-row deposit log with auto running balance\u003cbr\u003e\n📅 Save-By Forecast — Months to reach each fund level at your pace\u003cbr\u003e\n📋 Expense Baseline — List essential expenses to size your fund\u003cbr\u003e\n📈 Progress Charts — Fund growth line graph \u0026amp; quarterly bar chart\u003cbr\u003e\n🪜 Milestones — Baby-step milestones that auto-check as you save\u003cbr\u003e\n📒 Notes \u0026amp; Guide — Step-by-step instructions \u0026amp; reflection prompts\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Smart calculator sizes your fund from YOUR real expenses\u003cbr\u003e\n• 1, 3, 6, 9 \u0026amp; 12-month coverage targets\u003cbr\u003e\n• \"Months of expenses covered\" indicator\u003cbr\u003e\n• Save-by date forecasting for every fund level\u003cbr\u003e\n• 100-row contribution log with auto running balance\u003cbr\u003e\n• Milestone tracker (auto-checks $100, $500, $1k, 1mo, 3mo, 6mo+)\u003cbr\u003e\n• 152 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Emerald Green \u0026amp; Gold theme (easy on the eyes)\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Bar Chart — Fund targets by coverage level\u003cbr\u003e\n• Pie Chart — Funded vs remaining\u003cbr\u003e\n• Bar Chart — Your coverage vs recommended\u003cbr\u003e\n• Line Chart — Fund growth over 12 months\u003cbr\u003e\n• Bar Chart — Fund balance by quarter\u003cbr\u003e\n• Visual progress bars throughout\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with realistic expenses, contributions, and progress so you can see exactly how everything works before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. List your essential expenses on the 📋 Expense Baseline tab\u003cbr\u003e\n4. Check your targets on the 🧮 Fund Calculator\u003cbr\u003e\n5. Set your goal, log deposits \u0026amp; watch your safety net grow!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Emergency Fund Planner \u0026amp; Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ WHY AN EMERGENCY FUND MATTERS:\u003cbr\u003e\nAn emergency fund is your financial safety net — it covers unexpected job loss, medical bills, car repairs, and life's curveballs without going into debt. Experts recommend 3-6 months of essential expenses. This planner makes building yours simple, visual, and even motivating!\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile other sellers offer a basic calculator or simple tracker, EasyVault gives you a calculator, tracker, forecast, contribution log, charts, AND milestones — 10 premium tabs.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844373061860,"sku":"EV-FIN-3.6","price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8492678840_1g63.jpg?v=1789194084"},{"product_id":"paycheck-budget-planner-2026-biweekly-76494","title":"Paycheck Budget Planner 2026 | Biweekly Bill Tracker, 50\/30\/20 Calculator (Digital Download)","description":"\u003cp\u003e💰 Stop budgeting monthly. Start budgeting by PAYCHECK.\u003c\/p\u003e\n\u003cp\u003eMost budget spreadsheets force you to think in monthly terms — but if you get paid biweekly, weekly, or semi-monthly, your money doesn't work that way. This Paycheck Budget Spreadsheet lets you allocate every dollar of each paycheck BEFORE you spend it. Zero-based budgeting, made beautiful.\u003c\/p\u003e\n\u003cp\u003eWith 10 tabs including a duplicatable paycheck template, 50\/30\/20 calculator, bill calendar, debt tracker, savings tracker, and pie charts — this is the most complete paycheck budget on Etsy.\u003c\/p\u003e\n\u003cp\u003e📂 10 TABS INCLUDED\u003c\/p\u003e\n\u003cp\u003e📖 Instructions — Step-by-step guide with tips for paycheck budgeting.\u003cbr\u003e\n⚙️ Setup — Name, currency, pay frequency, bill categories, expense categories.\u003cbr\u003e\n📊 Dashboard — Annual overview with Income vs Outgoing bar chart.\u003cbr\u003e\n💰 Paycheck Budget — THE MAIN TAB. Enter income → allocate to bills, expenses, savings → see what's left. Includes a pie chart showing where your paycheck goes. DUPLICATE this tab for each new paycheck!\u003cbr\u003e\n📝 Transactions — 60-row log for every income and expense entry.\u003cbr\u003e\n🗓️ Bill Calendar — 20 bills × 12 months with due dates and auto-pay tracking.\u003cbr\u003e\n🏦 Savings Tracker — 8 sinking funds with % progress and colour-coded status.\u003cbr\u003e\n💳 Debt Tracker — Snowball \u0026amp; Avalanche strategies with 8 debt slots.\u003cbr\u003e\n📈 50\/30\/20 Rule — Auto-calculator: enter your paycheck, see Needs\/Wants\/Savings split with pie chart.\u003cbr\u003e\n📋 Monthly Summary — Combine all paychecks into one monthly view with bar chart.\u003c\/p\u003e\n\u003cp\u003e⚡ KEY FEATURES\u003c\/p\u003e\n\u003cp\u003e✅ Zero-based budgeting — allocate every dollar, see leftover instantly\u003cbr\u003e\n✅ Duplicatable paycheck tab — right-click → duplicate for each pay period\u003cbr\u003e\n✅ Works for weekly, biweekly, semi-monthly, or monthly pay\u003cbr\u003e\n✅ 50\/30\/20 auto-calculator with visual pie chart\u003cbr\u003e\n✅ 3 live charts (2 pie + 2 bar)\u003cbr\u003e\n✅ 129 auto-calculating formulas\u003cbr\u003e\n✅ Rollover tracking from previous paycheck\u003cbr\u003e\n✅ Bill due dates aligned with pay dates\u003cbr\u003e\n✅ Colour-coded conditional formatting (green\/red)\u003cbr\u003e\n✅ Works in any currency\u003cbr\u003e\n✅ Blush pink aesthetic\u003c\/p\u003e\n\u003cp\u003e📥 HOW IT WORKS\u003c\/p\u003e\n\u003cp\u003e1. Purchase \u0026amp; download the PDF\u003cbr\u003e\n2. Click the Google Sheets link\u003cbr\u003e\n3. File → Make a Copy\u003cbr\u003e\n4. Go to Setup — enter your details\u003cbr\u003e\n5. Open Paycheck Budget tab — allocate your pay!\u003cbr\u003e\n6. Duplicate the tab for each new paycheck\u003c\/p\u003e\n\u003cp\u003e⚠️ PLEASE NOTE\u003c\/p\u003e\n\u003cp\u003e→ DIGITAL DOWNLOAD — no physical product shipped.\u003cbr\u003e\n→ Google Sheets only (free Google account required).\u003cbr\u003e\n→ Listing images show sample data — template includes starter categories.\u003cbr\u003e\n→ Personal use only.\u003c\/p\u003e\n\u003cp\u003e💕 Thank you for choosing EasyVault! © EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844373684452,"sku":"EV-FIN-2.1","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8537565103_rudi.jpg?v=1789194091"},{"product_id":"503020-budget-spreadsheet-monthly-60506","title":"50\/30\/20 Budget Spreadsheet: Monthly Paycheck Planner (Google Sheets)","description":"\u003cp\u003eMaster the 50\/30\/20 rule the easy way — with a full budgeting system, not just a single tab. 🌿\u003c\/p\u003e\n\u003cp\u003eThe EasyVault 50\/30\/20 Budget Spreadsheet turns the popular needs-wants-savings rule into a complete, beautiful Google Sheets system. Set your income, tag every category, and watch your real 50\/30\/20 split appear live — with adjustable targets, a paycheck splitter, expense tracking, bills, debt, savings goals, and 9 charts across 9 tabs. Designed in a soft pastel palette that's a joy to use.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS A ONE-TAB TRACKER:\u003cbr\u003e\nMost 50\/30\/20 templates are a single tab where you type numbers. EasyVault gives you a connected system: log an expense once and it flows into your budget, your dashboard, and your 50\/30\/20 breakdown automatically. Get paid biweekly? The paycheck splitter divides every check by your rule instantly.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (9 TABS):\u003c\/p\u003e\n\u003cp\u003e🌿 Welcome — The 50\/30\/20 rule made simple, with a quick-start guide\u003cbr\u003e\n💵 Income \u0026amp; Paychecks — Log income and auto-split each paycheck 50\/30\/20\u003cbr\u003e\n📝 Budget Planner — Tag every category Needs \/ Wants \/ Savings \u0026amp; set your plan\u003cbr\u003e\n📊 Dashboard — Your live 50\/30\/20 breakdown with adjustable targets ⭐\u003cbr\u003e\n🧾 Expense Tracker — 150-row log that auto-splits your spending\u003cbr\u003e\n🧾 Bills \u0026amp; Debt — Track recurring bills and pay down debt\u003cbr\u003e\n🎯 Savings Goals — Grow your 20% with visual progress bars\u003cbr\u003e\n📈 Annual Trends — Your 50\/30\/20 balance \u0026amp; savings rate across the year\u003cbr\u003e\n📒 Guide \u0026amp; Notes — The rule explained, plus your personal notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Adjustable targets — keep the classic 50\/30\/20, or switch to 70\/20\/10, 60\/20\/20, or your own\u003cbr\u003e\n• Automatic needs\/wants\/savings breakdown with over\/under\/on-track status\u003cbr\u003e\n• Paycheck splitter for weekly \u0026amp; biweekly budgeters\u003cbr\u003e\n• 150-row expense tracker that feeds everything automatically\u003cbr\u003e\n• Bills tracker + debt payoff with breakdown pie charts\u003cbr\u003e\n• 8 savings goals with progress tracking\u003cbr\u003e\n• Annual trends + a savings-rate line chart\u003cbr\u003e\n• 9 charts total — doughnut, pie, bar \u0026amp; line — across the workbook\u003cbr\u003e\n• Soft pastel design (sage, peach, lavender, sky)\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS (9 total):\u003cbr\u003e\n• Doughnut — Target 50\/30\/20 split\u003cbr\u003e\n• Pie — Your actual needs\/wants\/savings breakdown\u003cbr\u003e\n• Bar — Target vs actual by type\u003cbr\u003e\n• Bar — Planned vs actual by category\u003cbr\u003e\n• Pie — Debt breakdown\u003cbr\u003e\n• Pie — Bills breakdown\u003cbr\u003e\n• Bar — Savings goal progress\u003cbr\u003e\n• Line — 50\/30\/20 over the year\u003cbr\u003e\n• Line — Savings rate trend\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nA prefilled SAMPLE spreadsheet shows the whole system working — income, expenses, budget, bills, debt, savings goals \u0026amp; annual trends — so you can see exactly how it flows before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase \u0026amp; download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your income and (optionally) adjust your 50\/30\/20 targets\u003cbr\u003e\n4. Tag each category Needs\/Wants\/Savings and set your budget\u003cbr\u003e\n5. Log expenses — your live 50\/30\/20 dashboard does the rest!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x 50\/30\/20 Budget Spreadsheet (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Spreadsheet (Google Sheets — prefilled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• Also opens in Excel\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nBeginners learning the 50\/30\/20 rule • Monthly \u0026amp; paycheck budgeters • Anyone who wants needs\/wants\/savings clarity • Couples \u0026amp; families • People who love a clean pastel aesthetic\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhere others give you one tab, we give you a complete, connected 50\/30\/20 system with 9 charts — beautiful, automatic, and adjustable — for just $7.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003ePlease note: This is a DIGITAL product. No physical item will be shipped. Listing images show example data for demonstration; the template is blank and ready for your input (a prefilled sample is included too).\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844373913828,"sku":"EV-FIN-3.12","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8473159805_rspb.jpg?v=1789194097"},{"product_id":"divorce-financial-settlement-planner-79310","title":"Divorce Financial Settlement Planner: Asset Division, Debt Split, Support Estimator (Google Sheets)","description":"\u003cp\u003eOrganize. Clarify. Move forward. ⚖️\u003c\/p\u003e\n\u003cp\u003eGoing through a divorce or separation is overwhelming — this planner helps you see your full financial picture clearly, so you can negotiate from facts, not stress. The EasyVault Divorce Financial Settlement Planner is a complete 10-tab Google Sheets command center that organizes your assets, debts, support estimates, and documents in one calm, private place. It handles the math so you can focus on moving forward — and it can save you significant attorney fees.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost divorce spreadsheets on Etsy have just 4-6 tabs. EasyVault gives you 10 — a complete settlement system with asset AND debt division, a settlement dashboard, a spousal support estimator with three methods, a house buyout calculator, co-parenting expense tracking, financial disclosure, and a full discovery checklist.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e🕊️ Welcome — Supportive intro \u0026amp; quick-start guide\u003cbr\u003e\n⚖️ Asset Division — Split 16 marital assets fairly (you vs spouse, custom %)\u003cbr\u003e\n💳 Debt Division — Divide mortgages, loans \u0026amp; credit cards transparently\u003cbr\u003e\n📊 Settlement Dashboard — Total marital estate \u0026amp; each party's net settlement\u003cbr\u003e\n💵 Support Estimator — Spousal support estimates via 3 common methods\u003cbr\u003e\n🏠 House Buyout — Calculate a fair home equity buyout\u003cbr\u003e\n👶 Co-Parenting — Track the true annual cost of raising your children\u003cbr\u003e\n📋 Income \u0026amp; Expenses — Document finances for legal disclosure\u003cbr\u003e\n✅ Discovery Checklist — Gather all 20 key documents your case needs\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Instructions, disclaimer \u0026amp; private notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Custom split % on every asset and debt (not just 50\/50)\u003cbr\u003e\n• Auto-calculated net settlement for both parties\u003cbr\u003e\n• Total marital estate at a glance\u003cbr\u003e\n• Spousal support estimator (3 common formulas)\u003cbr\u003e\n• House buyout \u0026amp; equity-split calculator\u003cbr\u003e\n• Co-parenting expense tracker (true annual child costs)\u003cbr\u003e\n• 20-document discovery checklist\u003cbr\u003e\n• 129 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Calm, dignified Slate Blue \u0026amp; Sage design\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile — private \u0026amp; secure\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Bar Chart — Net settlement: you vs spouse\u003cbr\u003e\n• Pie Chart — Estate composition (assets vs debts)\u003cbr\u003e\n• Clear summary tables throughout\u003c\/p\u003e\n\u003cp\u003e✦ WHO THIS IS FOR:\u003cbr\u003e\n• Anyone preparing for divorce or separation who wants organization \u0026amp; clarity\u003cbr\u003e\n• People representing themselves who need professional-grade structure\u003cbr\u003e\n• Those working with an attorney who don't want to pay legal rates for admin work\u003cbr\u003e\n• Mediators who need a neutral tool to show both parties the math\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with a complete example settlement (assets, debts, support, buyout \u0026amp; co-parenting costs) so you can see exactly how everything works before entering your own information.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy (private to you)\u003cbr\u003e\n3. List your marital assets \u0026amp; debts, set each split %\u003cbr\u003e\n4. Review your Settlement Dashboard for the full picture\u003cbr\u003e\n5. Use the estimators \u0026amp; discovery checklist to prepare for mediation\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Divorce Financial Settlement Planner (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nThis is the most complete divorce settlement planner on Etsy — 10 tabs versus the typical 4-6. It turns financial chaos into a clear, organized picture so you can move forward with confidence, for just $8.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ IMPORTANT DISCLAIMER:\u003cbr\u003e\nThis product is an organizational tool for personal use only. It does NOT provide legal, financial, or tax advice, and its estimates are not a substitute for professional counsel. Divorce laws vary by state and country. Always consult a licensed attorney, mediator, or financial advisor about your specific situation.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nWishing you clarity and a fresh start. 🕊️\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844374175972,"sku":"EV-FIN-3.11","price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8537584767_4b45.jpg?v=1789194105"},{"product_id":"dark-mode-personal-finance-dashboard-45495","title":"Dark Mode Personal Finance Dashboard: All-in-One Budget Tracker (Google Sheets)","description":"\u003cp\u003eYour entire financial life — beautifully organized in ONE place, in stunning dark mode. 🌙\u003c\/p\u003e\n\u003cp\u003eMeet the EasyVault Personal Finance Dashboard in Dark Mode: an all-in-one Google Sheets command center that connects your income, expenses, budget, bills, debt, savings goals, and net worth into a single master dashboard. Enter your data once and watch everything flow together — 10 premium tabs, 151 auto-calculating formulas, and rich pie \u0026amp; bar charts in a sleek dark theme that's easy on the eyes.\u003c\/p\u003e\n\u003cp\u003e✦ WHY DARK MODE?\u003cbr\u003e\nDark mode isn't just beautiful — it's easier on your eyes during late-night budgeting sessions, saves battery on OLED screens, and looks stunning on any device. This is the same powerful all-in-one dashboard our customers love, redesigned with a deep charcoal background, glowing teal accents, and bright, readable data.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS IS THE ULTIMATE FINANCE TEMPLATE:\u003cbr\u003e\nMost trackers do one thing. This does everything — and connects it all. Your income and expenses calculate your cash flow, your spending feeds your budget, and your assets and debts calculate your net worth — all surfaced on one beautiful dashboard. It replaces 8 separate trackers with a single file.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n💵 Income — Log all income sources with monthly totals\u003cbr\u003e\n📝 Expense Log — 150-row expense tracker by category \u0026amp; payment\u003cbr\u003e\n💰 Budget Planner — Set budgets \u0026amp; see LEFT TO SPEND per category\u003cbr\u003e\n📊 Dashboard — Your WHOLE financial life on one screen ⭐\u003cbr\u003e\n🧾 Bills Tracker — Never miss a due date on recurring bills\u003cbr\u003e\n💳 Debt Tracker — Balances, APRs \u0026amp; payoff priority\u003cbr\u003e\n🎯 Savings Goals — 10 goals with auto-filling progress bars\u003cbr\u003e\n💎 Net Worth — Assets minus liabilities, calculated instantly\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Step-by-step instructions \u0026amp; financial notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Sleek DARK MODE design — easy on the eyes\u003cbr\u003e\n• ONE master dashboard connecting all 8 tracking tabs\u003cbr\u003e\n• Automatic cash flow (income − expenses)\u003cbr\u003e\n• \"Left to Spend\" per budget category with over-budget alerts\u003cbr\u003e\n• Net worth auto-calculated from assets \u0026amp; liabilities\u003cbr\u003e\n• Bills tracker with due dates \u0026amp; auto-pay flags\u003cbr\u003e\n• Debt tracker with APR (high-interest debts stand out)\u003cbr\u003e\n• 10 savings goals with progress bars\u003cbr\u003e\n• 151 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Where your money goes (spending by category)\u003cbr\u003e\n• Pie Chart — Bills breakdown\u003cbr\u003e\n• Pie Chart — Savings by goal\u003cbr\u003e\n• Bar Chart — Income vs expenses vs cash flow\u003cbr\u003e\n• Bar Chart — Budget vs spent by category\u003cbr\u003e\n• Bar Chart — Debt balances\u003cbr\u003e\n• Bar Chart — Assets vs liabilities\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with a complete financial picture (income, 30 expenses, budgets, bills, debts, savings goals \u0026amp; net worth) so you can see the entire connected system working before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Add your income, then log expenses \u0026amp; set category budgets\u003cbr\u003e\n4. Fill in bills, debts, savings goals \u0026amp; net worth items\u003cbr\u003e\n5. Watch your master Dashboard assemble your whole picture — automatically!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Personal Finance Dashboard — Dark Mode (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nDark mode lovers • Complete money management • Couples \u0026amp; families • Monthly \u0026amp; annual budgeting • FIRE \u0026amp; financial independence • Anyone who wants their whole financial life in one organized, eye-friendly place\u003c\/p\u003e\n\u003cp\u003e✦ PREFER LIGHT MODE?\u003cbr\u003e\nWe also offer this dashboard in our original light Teal edition — check our shop!\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nThis is our flagship finance template in a gorgeous dark theme — it consolidates income, expenses, budget, bills, debt, savings, and net worth into one connected dashboard. Everything you need to manage your money, in a single beautiful dark-mode file, for just $9.59.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844374765796,"sku":"EV-FIN-3.10","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8475503252_qgjy.jpg?v=1789194111"},{"product_id":"all-in-one-personal-finance-dashboard-46727","title":"All-in-One Personal Finance Dashboard: Budget, Debt, Savings, Net Worth (Google Sheets)","description":"\u003cp\u003eYour entire financial life — beautifully organized in ONE place. 📊\u003c\/p\u003e\n\u003cp\u003eMeet the EasyVault Personal Finance Dashboard: an all-in-one Google Sheets command center that connects your income, expenses, budget, bills, debt, savings goals, and net worth into a single master dashboard. Enter your data once and watch everything flow together — 10 premium tabs, 151 auto-calculating formulas, and rich pie \u0026amp; bar charts in a modern Teal \u0026amp; Copper design.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS IS THE ULTIMATE FINANCE TEMPLATE:\u003cbr\u003e\nMost trackers do one thing. This does everything — and connects it all. Your income and expenses calculate your cash flow, your spending feeds your budget, and your assets and debts calculate your net worth — all surfaced on one beautiful dashboard. It replaces 8 separate trackers with a single file.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n💵 Income — Log all income sources with monthly totals\u003cbr\u003e\n📝 Expense Log — 150-row expense tracker by category \u0026amp; payment\u003cbr\u003e\n💰 Budget Planner — Set budgets \u0026amp; see LEFT TO SPEND per category\u003cbr\u003e\n📊 Dashboard — Your WHOLE financial life on one screen ⭐\u003cbr\u003e\n🧾 Bills Tracker — Never miss a due date on recurring bills\u003cbr\u003e\n💳 Debt Tracker — Balances, APRs \u0026amp; payoff priority\u003cbr\u003e\n🎯 Savings Goals — 10 goals with auto-filling progress bars\u003cbr\u003e\n💎 Net Worth — Assets minus liabilities, calculated instantly\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Step-by-step instructions \u0026amp; financial notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• ONE master dashboard connecting all 8 tracking tabs\u003cbr\u003e\n• Automatic cash flow (income − expenses)\u003cbr\u003e\n• \"Left to Spend\" per budget category with over-budget alerts\u003cbr\u003e\n• Net worth auto-calculated from assets \u0026amp; liabilities\u003cbr\u003e\n• Bills tracker with due dates \u0026amp; auto-pay flags\u003cbr\u003e\n• Debt tracker with APR (high-interest debts stand out)\u003cbr\u003e\n• 10 savings goals with progress bars\u003cbr\u003e\n• 151 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Modern Teal, Copper \u0026amp; Charcoal design\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Where your money goes (spending by category)\u003cbr\u003e\n• Pie Chart — Bills breakdown\u003cbr\u003e\n• Pie Chart — Savings by goal\u003cbr\u003e\n• Bar Chart — Income vs expenses vs cash flow\u003cbr\u003e\n• Bar Chart — Budget vs spent by category\u003cbr\u003e\n• Bar Chart — Debt balances\u003cbr\u003e\n• Bar Chart — Assets vs liabilities\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with a complete financial picture (income, 30 expenses, budgets, bills, debts, savings goals \u0026amp; net worth) so you can see the entire connected system working before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Add your income, then log expenses \u0026amp; set category budgets\u003cbr\u003e\n4. Fill in bills, debts, savings goals \u0026amp; net worth items\u003cbr\u003e\n5. Watch your master Dashboard assemble your whole picture — automatically!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Personal Finance Dashboard (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nComplete money management • Couples \u0026amp; families • Monthly \u0026amp; annual budgeting • FIRE \u0026amp; financial independence • Anyone who wants their whole financial life in one organized place instead of scattered across apps and spreadsheets\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nThis is our flagship finance template — it consolidates income, expenses, budget, bills, debt, savings, and net worth into one connected dashboard. Everything you need to manage your money, in a single beautiful file, for just $9.59.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844374962404,"sku":"EV-FIN-3.9","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8489722244_iis1.jpg?v=1789194117"},{"product_id":"complete-net-worth-tracker-assets-61934","title":"Complete Net Worth Tracker: Assets, Liabilities, Wealth Dashboard (Google Sheets)","description":"\u003cp\u003eKnow your number. Grow your wealth. 💎\u003c\/p\u003e\n\u003cp\u003eMeet the most complete Net Worth Tracker on Etsy — while other sellers give you a single tab, EasyVault gives you 10 premium tabs with automatic net worth calculation, asset allocation analysis, financial health ratios, milestone tracking, and rich pie \u0026amp; line charts. All in a sleek Navy \u0026amp; Teal design with 163 auto-calculating formulas.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost net worth trackers are a \"1-tab solution.\" EasyVault is a full wealth-building system: track assets \u0026amp; liabilities, watch your net worth grow month by month, analyze your allocation vs targets, monitor 7 financial health ratios, and celebrate milestones from $0 all the way to millionaire.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n💎 Assets — Track 20 assets across 8 categories with % breakdown\u003cbr\u003e\n💳 Liabilities — Track 16 debts with APR and % of total debt\u003cbr\u003e\n📊 Net Worth Dashboard — Headline net worth, key metrics \u0026amp; charts\u003cbr\u003e\n📅 12-Month History — Net worth snapshot each month with change tracking\u003cbr\u003e\n🥧 Asset Allocation — Diversification analysis vs healthy targets\u003cbr\u003e\n📈 Growth Charts — Year-over-year \u0026amp; month-to-month net worth trends\u003cbr\u003e\n⚖️ Financial Ratios — 7 health ratios explained in plain English\u003cbr\u003e\n🏆 Milestones — Auto-tracking from $0 to $5M+\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Step-by-step instructions \u0026amp; wealth notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Automatic net worth calculation (assets − liabilities)\u003cbr\u003e\n• Track up to 20 assets \u0026amp; 16 liabilities\u003cbr\u003e\n• Asset allocation analysis vs recommended targets\u003cbr\u003e\n• 7 financial health ratios (debt-to-asset, liquidity, investment \u0026amp; more)\u003cbr\u003e\n• 12-month history with auto month-over-month change\u003cbr\u003e\n• Year-over-year growth tracking\u003cbr\u003e\n• Milestone tracker that auto-checks from $0 to millionaire\u003cbr\u003e\n• 163 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Navy, Teal \u0026amp; Gold theme\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Asset allocation by category\u003cbr\u003e\n• Pie Chart — Liability breakdown\u003cbr\u003e\n• Bar Chart — Assets vs liabilities vs net worth\u003cbr\u003e\n• Bar Chart — Net worth year-over-year\u003cbr\u003e\n• Line Chart — Net worth growth (12 months)\u003cbr\u003e\n• Line Chart — Assets vs liabilities over time\u003cbr\u003e\n• Line Chart — Monthly net worth trend\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with a realistic financial picture (assets, debts, 12 months of history, milestones) so you can see exactly how everything works before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. List everything you own on the 💎 Assets tab\u003cbr\u003e\n4. List everything you owe on the 💳 Liabilities tab\u003cbr\u003e\n5. Your net worth calculates instantly — track it monthly \u0026amp; watch it grow!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Net Worth Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nPersonal finance tracking • Wealth \u0026amp; asset tracking • Financial independence (FIRE) • Retirement planning • Year-end financial reviews • Anyone building long-term wealth\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile competitors offer a single-tab calculator, EasyVault gives you a complete wealth dashboard — assets, liabilities, allocation, ratios, growth charts, AND milestones — 10 premium tabs for just $7.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844375060708,"sku":"EV-FIN-3.7","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8489673852_qt50.jpg?v=1789194122"},{"product_id":"2026-annual-budget-spreadsheet-google-54376","title":"2026 Annual Budget Spreadsheet | Google Sheets Finance Planner (Digital Download)","description":"\u003cp\u003e✨ Take control of your money with the most beautiful budget spreadsheet on Etsy.\u003c\/p\u003e\n\u003cp\u003eThis is the Ultimate Annual Budget Spreadsheet — a complete personal finance system built in Google Sheets, wrapped in a gorgeous Blush Pink design that makes budgeting feel like self-care, not a chore. 💕\u003c\/p\u003e\n\u003cp\u003eForget juggling multiple apps, messy notes, or boring grey spreadsheets. With 17 fully-designed tabs and over 1,000 auto-calculating formulas, everything is done for you — just enter your numbers and watch the magic happen. 📊\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 17 TABS INCLUDED\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Instructions Tab — Step-by-step guide, colour legend and pro tips to get you started in minutes.\u003c\/p\u003e\n\u003cp\u003e⚙️ Setup Tab — Personalise your name, year, currency and all 34 category names in one place.\u003c\/p\u003e\n\u003cp\u003e📊 Annual Dashboard — Live KPI cards (total income, expenses, savings rate, net surplus) + income vs. expenses bar chart. Updates automatically every month.\u003c\/p\u003e\n\u003cp\u003e📋 Year in Review — All 12 months side-by-side in one table. Instantly see your best savings month, highest expense month and annual totals.\u003c\/p\u003e\n\u003cp\u003e🗓️ Bill Planner — Annual bill calendar with 20 rows. Tick off bills monthly, never miss a payment again.\u003c\/p\u003e\n\u003cp\u003e💰 Savings Tracker — Track up to 8 savings goals or sinking funds. See % progress, amount remaining and colour-coded status for each goal.\u003c\/p\u003e\n\u003cp\u003e💳 Debt Tracker — Snowball and Avalanche payoff calculators side-by-side. Know exactly how long until you're debt-free.\u003c\/p\u003e\n\u003cp\u003e📈 Net Worth Tracker — Track all your assets and liabilities. See your net worth grow over time.\u003c\/p\u003e\n\u003cp\u003e📅 January → December (12 Monthly Tabs) — Each month includes:\u003cbr\u003e\n • Income section (budget vs. actual, 5 sources)\u003cbr\u003e\n • Fixed Expenses (budget vs. actual, 10 categories)\u003cbr\u003e\n • Variable Expenses (budget vs. actual, 15 categories)\u003cbr\u003e\n • Debt Payments section\u003cbr\u003e\n • Savings section\u003cbr\u003e\n • Monthly Summary (net surplus, savings rate, totals)\u003cbr\u003e\n • 40-row Transactions Log\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚡ KEY FEATURES\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ 1,014 auto-calculating formulas — zero manual maths\u003cbr\u003e\n✅ Budget vs. Actual tracking — see exactly where every dollar goes\u003cbr\u003e\n✅ Colour-coded differences (green = under budget, red = over budget)\u003cbr\u003e\n✅ Fully customisable categories — rename everything to fit your life\u003cbr\u003e\n✅ Works in any currency — change it in one cell\u003cbr\u003e\n✅ Reuse every year — buy once, use forever\u003cbr\u003e\n✅ Works on any device — laptop, iPad, phone, desktop\u003cbr\u003e\n✅ Requires only a free Google account\u003cbr\u003e\n✅ Sample data pre-filled so you can see it working immediately\u003cbr\u003e\n✅ Blush Pink aesthetic — genuinely beautiful design\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n🎁 WHAT YOU RECEIVE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ A PDF with your unique Google Sheets link\u003cbr\u003e\n→ Step-by-step instructions inside the spreadsheet\u003cbr\u003e\n→ All 17 tabs ready to use immediately\u003cbr\u003e\n→ No software to install — Google Sheets is free\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📥 HOW TO ACCESS YOUR TEMPLATE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e1. Complete your Etsy purchase\u003cbr\u003e\n2. Go to Etsy → Purchases \u0026amp; Reviews → Download your PDF\u003cbr\u003e\n3. Click the link in the PDF — it opens Google Sheets\u003cbr\u003e\n4. Click File → Make a Copy (saves it to your Google Drive)\u003cbr\u003e\n5. Go to the ⚙️ Setup tab and enter your name, year \u0026amp; currency\u003cbr\u003e\n6. Open any monthly tab and start budgeting! 🎉\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n❓ FREQUENTLY ASKED QUESTIONS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eQ: Is Google Sheets really free?\u003cbr\u003e\nA: Yes! Google Sheets is 100% free. You just need a Google account (Gmail works perfectly).\u003c\/p\u003e\n\u003cp\u003eQ: Does this work with Excel?\u003cbr\u003e\nA: This template is designed for Google Sheets. You can open it in Excel but some formatting may vary.\u003c\/p\u003e\n\u003cp\u003eQ: Can I use it in my currency (£, €, ₹, ¥, etc.)?\u003cbr\u003e\nA: Absolutely! Just update the currency symbol in the Setup tab — it applies everywhere instantly.\u003c\/p\u003e\n\u003cp\u003eQ: Can I reuse it next year?\u003cbr\u003e\nA: Yes! Clear out the data at year-end and start fresh. You buy once and own it forever.\u003c\/p\u003e\n\u003cp\u003eQ: What if I need help?\u003cbr\u003e\nA: Message us on Etsy! We respond within a few hours and are always happy to help. 💕\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚠️ PLEASE NOTE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ This is a DIGITAL DOWNLOAD — no physical product will be shipped.\u003cbr\u003e\n→ This template is for Google Sheets only (free Google account required).\u003cbr\u003e\n→ Listing images show sample data for demonstration — the template you receive is blank and ready for your own numbers.\u003cbr\u003e\n→ For personal use only. Redistribution or resale is strictly prohibited.\u003cbr\u003e\n→ Colours may appear slightly different across devices due to display settings.\u003cbr\u003e\n→ This spreadsheet is for informational\/organisational purposes only. EasyVault does not provide financial, tax or legal advice.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n💕 THANK YOU\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eThank you so much for visiting EasyVault! We put enormous care into every template. We hope this spreadsheet helps you take control of your finances and feel genuinely excited about budgeting.\u003c\/p\u003e\n\u003cp\u003eIf you love it, we'd be so grateful for a ⭐ review — it helps us more than you know!\u003c\/p\u003e\n\u003cp\u003e📌 Explore the full EasyVault shop for more templates in Finance, ADHD, Business, Wellness, Wedding and more.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844375683300,"sku":"EV-F-1.1","price":9.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8046830594_8n4g.jpg?v=1789194142"},{"product_id":"blush-pink-savings-goal-tracker-15-98388","title":"Blush Pink Savings Goal Tracker: 15 Goals, Sinking Funds, Challenges (Google Sheets)","description":"\u003cp\u003eTurn your savings dreams into reality with the most complete Savings Goal Tracker on Etsy! 🎯\u003c\/p\u003e\n\u003cp\u003eThis premium Blush Pink Google Sheets template lets you track up to 15 savings goals at once with visual progress bars, projected \"save-by\" dates, a sinking funds planner, a contribution log, AND built-in savings challenges — all across 10 powerful tabs with 247 auto-calculating formulas.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost savings trackers give you a simple list. EasyVault gives you a complete savings system — multiple goals, save-by-date forecasting, sinking funds, contribution logging, progress charts, AND savings challenges to keep you motivated.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n🎯 Goal Tracker — Track 15 goals with progress %, remaining, monthly \u0026amp; months-left\u003cbr\u003e\n📊 Savings Dashboard — Total saved, overall progress \u0026amp; savings distribution pie chart\u003cbr\u003e\n💰 Contribution Log — 100-row deposit history with running totals\u003cbr\u003e\n📅 Save-By Forecast — Projected completion date \u0026amp; on-track status for every goal\u003cbr\u003e\n🏺 Sinking Funds — 15 recurring funds with auto-calculated monthly set-asides\u003cbr\u003e\n📈 Progress Charts — Savings growth line graph \u0026amp; target-vs-saved comparison\u003cbr\u003e\n🏆 Challenges — 52-week ($1,378) \u0026amp; 100-envelope ($5,050) savings challenges\u003cbr\u003e\n📝 Notes \u0026amp; Motivation — Your \"why\", milestones \u0026amp; reward ideas\u003cbr\u003e\n📒 Instructions — Step-by-step guide to get started fast\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Track up to 15 savings goals at once\u003cbr\u003e\n• Visual progress bars \u0026amp; % complete for each goal\u003cbr\u003e\n• Projected \"save-by\" date forecasting\u003cbr\u003e\n• Sinking funds planner (auto-calculates monthly amounts)\u003cbr\u003e\n• 100-row contribution log with running totals\u003cbr\u003e\n• On-track \/ behind status indicators\u003cbr\u003e\n• Built-in 52-week \u0026amp; 100-envelope savings challenges\u003cbr\u003e\n• 247 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Blush Pink theme with rose gold accents\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Savings distribution by goal\u003cbr\u003e\n• Pie Chart — Sinking funds allocation\u003cbr\u003e\n• Bar Chart — Saved vs remaining\u003cbr\u003e\n• Bar Chart — Target vs saved by goal\u003cbr\u003e\n• Line Chart — Total savings growth over time\u003cbr\u003e\n• Visual progress bars across every goal\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with realistic goals, contributions, and sinking funds so you can see exactly how everything works before adding your own data.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Add your goals in the 🎯 Goal Tracker tab\u003cbr\u003e\n4. Log deposits in the 💰 Contribution Log as you save\u003cbr\u003e\n5. Check your 📊 Dashboard \u0026amp; 📅 Forecast to watch your progress grow!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Savings Goal Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR SAVING TOWARD:\u003cbr\u003e\nEmergency fund • Vacation • New car • Home down payment • Wedding • Holidays • Education • Baby fund • Home renovation • Investments • And any goal you can dream up!\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile other sellers offer a single-tab goal list, EasyVault gives you 15 goals, save-by forecasting, sinking funds, contribution logging, AND savings challenges — 10 premium tabs.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844828930276,"sku":"EV-FIN-3.5","price":6.49,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8477134949_dc8l.jpg?v=1789202978"},{"product_id":"debt-snowball-avalanche-tracker-google-94958","title":"Debt Snowball \u0026 Avalanche Tracker: Google Sheets Payoff Planner (Digital Download)","description":"\u003cp\u003eCrush your debt faster with the most complete Debt Snowball \u0026amp; Avalanche Tracker on Etsy! 💪\u003c\/p\u003e\n\u003cp\u003eThis premium Blush Pink Google Sheets template gives you BOTH proven payoff methods side by side, a debt-free date forecast, total interest calculations, per-debt payment logging, and progress charts — all across 10 powerful tabs with 316 auto-calculating formulas.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost debt trackers give you one method and one summary number. EasyVault gives you Snowball AND Avalanche to compare, a full payment schedule, AND per-debt payment logging (so you're not lumping every payment into one figure).\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n💳 Debt Tracker — Log 12 debts with balance, APR, minimum, credit limit \u0026amp; utilization\u003cbr\u003e\n⚖️ Method Compare — Snowball vs Avalanche vs Custom — see which saves you more\u003cbr\u003e\n📊 Payoff Dashboard — Debt-free date, total paid, progress % \u0026amp; debt-by-type pie chart\u003cbr\u003e\n❄️ Snowball Plan — Smallest balance first for quick, motivating wins\u003cbr\u003e\n🏔️ Avalanche Plan — Highest interest first to save the most money\u003cbr\u003e\n📅 Payment Schedule — Auto-generated 24-month month-by-month payoff timeline\u003cbr\u003e\n📝 Payment Log — 100-row per-debt payment history with running balances\u003cbr\u003e\n📈 Progress Charts — Debt-free milestones \u0026amp; 12-month trend graphs\u003cbr\u003e\n📒 Notes \u0026amp; Motivation — Goals, reflection prompts \u0026amp; motivation to stay on track\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• BOTH Snowball \u0026amp; Avalanche methods — compare side by side\u003cbr\u003e\n• Debt-free date forecast\u003cbr\u003e\n• Total interest paid \u0026amp; interest saved calculations\u003cbr\u003e\n• Credit utilization tracking per card\u003cbr\u003e\n• Per-debt payment logging (not just one lump sum!)\u003cbr\u003e\n• 24-month payment schedule with principal\/interest split\u003cbr\u003e\n• Debt-free milestone tracker (25%, 50%, 75%, 100%)\u003cbr\u003e\n• 316 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Blush Pink theme with rose gold accents\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Bar Chart — Snowball vs Avalanche total interest\u003cbr\u003e\n• Pie Chart — Debt by type\u003cbr\u003e\n• Bar Chart — Paid off vs remaining\u003cbr\u003e\n• Bar Chart — Debt balances in payoff order (both methods)\u003cbr\u003e\n• Line Chart — Debt balance over time (24 months)\u003cbr\u003e\n• Line Chart — Total debt vs total paid (12-month trend)\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with realistic debts, payments, and progress so you can see exactly how everything works before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your debts in the 💳 Debt Tracker tab\u003cbr\u003e\n4. Set your monthly payment budget in ⚖️ Method Compare\u003cbr\u003e\n5. Pick Snowball or Avalanche, follow the order \u0026amp; watch your debt disappear!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Debt Snowball \u0026amp; Avalanche Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ DEBT SNOWBALL vs AVALANCHE — WHICH IS RIGHT FOR YOU?\u003cbr\u003e\n• SNOWBALL: Pay your smallest balance first. You'll knock out debts quickly and build momentum — great if you need motivating wins.\u003cbr\u003e\n• AVALANCHE: Pay your highest interest rate first. You'll pay less interest overall — the mathematically optimal path.\u003cbr\u003e\nThis template lets you compare both and pick what keeps YOU consistent. Consistency beats math!\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile other sellers offer a single-method, single-tab tracker, EasyVault gives you both methods, a payment schedule, per-debt logging, and progress charts — 10 premium tabs .\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844829323492,"sku":"EV-FIN-3.4","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8429233432_dvl3.jpg?v=1789202984"},{"product_id":"blush-pink-bill-payment-calendar-48959","title":"Blush Pink Bill Payment Calendar \u0026 Tracker (Google Sheets Template)","description":"\u003cp\u003eNever miss another bill payment again! 🗓️\u003c\/p\u003e\n\u003cp\u003eThe EasyVault Bill Payment Calendar \u0026amp; Tracker is the most complete bill organizer on Etsy — a premium Blush Pink Google Sheets template with 10 powerful tabs, a visual monthly calendar that auto-populates your bills on their due dates, automatic overdue alerts, 238 formulas, and a built-in Subscription Savings Finder that shows exactly how much you'd save by cancelling subscriptions.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT MAKES THIS DIFFERENT:\u003cbr\u003e\nMost bill trackers give you a single list. We give you a complete bill-management system — visual calendar, smart alerts, subscription auditing, spending trends, AND a payment history log.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n📋 Bill Tracker — Master list of 22 bills with due day, amount, status \u0026amp; auto-pay\u003cbr\u003e\n🗓️ Bill Calendar — Visual monthly grid where bills appear on their due dates\u003cbr\u003e\n📊 Dashboard — Paid vs unpaid totals, % paid, category pie chart \u0026amp; bar charts\u003cbr\u003e\n🔄 Subscriptions — Track 16 subscriptions with monthly \u0026amp; annual costs\u003cbr\u003e\n💸 Savings Finder — Mark subscriptions to cancel \u0026amp; see your yearly savings instantly\u003cbr\u003e\n📈 Spending Trends — 12-month bill trends with line \u0026amp; pie charts\u003cbr\u003e\n⏰ Due Soon — Auto-flags bills as 🔴 Overdue, 🟡 Due Soon, or 🟢 Upcoming\u003cbr\u003e\n📝 Payment Log — 100-row payment history with confirmation numbers\u003cbr\u003e\n📒 Notes \u0026amp; Reminders — Action items \u0026amp; monthly bill review prompts\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Visual monthly calendar — see all your bills at a glance\u003cbr\u003e\n• Smart color alerts — overdue, due-soon \u0026amp; upcoming bills auto-flagged\u003cbr\u003e\n• Subscription Savings Finder — discover hundreds in yearly savings\u003cbr\u003e\n• Paid vs Unpaid tracking with live dashboard\u003cbr\u003e\n• 22 bill slots + 16 subscription slots + 100-row payment log\u003cbr\u003e\n• Category breakdowns with pie charts\u003cbr\u003e\n• 12-month spending trend graphs\u003cbr\u003e\n• 238 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Blush Pink theme with rose gold accents\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Bills by category\u003cbr\u003e\n• Pie Chart — Subscription spend breakdown\u003cbr\u003e\n• Pie Chart — Average spend by category\u003cbr\u003e\n• Bar Chart — Paid vs unpaid amount\u003cbr\u003e\n• Line Chart — Bills vs paid (12-month trend)\u003cbr\u003e\n• Visual monthly calendar grid\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with realistic bills, subscriptions, and payments so you can see exactly how everything works before adding your own data.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your bills in the 📋 Bill Tracker tab\u003cbr\u003e\n4. Set the month on the 🗓️ Bill Calendar to see them appear\u003cbr\u003e\n5. Mark bills paid and watch your 📊 Dashboard update live!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Bill Payment Calendar \u0026amp; Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile other sellers charge the same for a basic bill list, EasyVault gives you a visual calendar, smart alerts, a subscription savings finder, AND spending trends — 10 premium tabs.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844829651172,"sku":"EV-FIN-3.3","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8476926447_orz1.jpg?v=1789202990"},{"product_id":"dark-mode-monthly-budget-spreadsheet-81385","title":"Dark Mode Monthly Budget Spreadsheet: Google Sheets Finance Tracker (Digital Download)","description":"\u003cp\u003eThe sleek DARK MODE Monthly Budget Spreadsheet — now just $1.00 as a limited launch offer! 🖤\u003c\/p\u003e\n\u003cp\u003eEasy on the eyes and packed with power, this premium Google Sheets template gives you 10 beautifully designed dark-themed tabs with 225 auto-calculating formulas, gold-accented pie charts, line graphs, bar charts, and progress tracking — everything you need to manage your money in one place.\u003c\/p\u003e\n\u003cp\u003e✦ WHY DARK MODE?\u003cbr\u003e\nPerfect for late-night budgeting, OLED screens, and anyone who finds dark themes easier on the eyes. The premium charcoal-navy and gold palette makes managing money feel luxurious — not like a chore.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Beautiful branded intro with quick-start guide\u003cbr\u003e\n⚙️ Setup — Enter your income (9 sources) and budget across 16 categories\u003cbr\u003e\n📊 Monthly Dashboard — KPI cards, pie charts, line graphs, budget vs actual bars\u003cbr\u003e\n💰 Income Tracker — Log 30+ income entries with category breakdowns \u0026amp; pie chart\u003cbr\u003e\n📋 Expense Log — 100-row daily tracker with 16 categories \u0026amp; auto-summarizing pie chart\u003cbr\u003e\n🏠 Bills \u0026amp; Subscriptions — Track 22 bills with due dates, status, auto-pay, and bar charts\u003cbr\u003e\n💸 Budget vs Actual — Side-by-side comparison with variance analysis \u0026amp; grouped bar chart\u003cbr\u003e\n📈 Trends \u0026amp; Insights — Weekly breakdowns, payment method analysis, spending insights\u003cbr\u003e\n💎 Savings Goals — 12 goals with progress tracking, bar charts \u0026amp; allocation pie chart\u003cbr\u003e\n📝 Notes \u0026amp; Reminders — Action items, monthly reflection prompts\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS (gold-accented for dark theme):\u003cbr\u003e\n• Pie Chart — Budget allocation by category\u003cbr\u003e\n• Pie Chart — Expenses by category\u003cbr\u003e\n• Pie Chart — Income by category\u003cbr\u003e\n• Pie Chart — Savings allocation\u003cbr\u003e\n• Pie Chart — Spending by payment method\u003cbr\u003e\n• Line Chart — Income vs Expenses vs Savings (12-month trend)\u003cbr\u003e\n• Line Chart — Weekly income vs expenses\u003cbr\u003e\n• Bar Chart — Budget vs Actual spending comparison\u003cbr\u003e\n• Bar Chart — Savings goal progress (target vs saved)\u003cbr\u003e\n• Bar Chart — Bills by payment status\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with realistic data so you can see exactly how the template works before entering your own numbers. Use it as a reference or test drive!\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• 225 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium dark charcoal-navy + gold color theme\u003cbr\u003e\n• 16 expense categories with emoji icons\u003cbr\u003e\n• 9 income source slots\u003cbr\u003e\n• 22 bill\/subscription rows\u003cbr\u003e\n• 12 savings goals with progress tracking\u003cbr\u003e\n• Weekly \u0026amp; monthly trend analysis\u003cbr\u003e\n• Payment method breakdown\u003cbr\u003e\n• Monthly reflection \u0026amp; insight prompts\u003cbr\u003e\n• Freeze panes for easy scrolling\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ ALSO AVAILABLE IN LIGHT MODE:\u003cbr\u003e\nPrefer a brighter look? Check out our Blush Pink Light Mode edition in the shop!\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Start with the ⚙️ Setup tab — enter your income and budget\u003cbr\u003e\n4. Log expenses in the 📋 Expense Log\u003cbr\u003e\n5. Watch your 📊 Dashboard come alive with charts!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Monthly Budget Template — Dark Mode (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile other sellers offer 1-2 tab budget templates, EasyVault gives you 10 premium tabs with charts, graphs, and visual analytics — in a stunning dark theme — for just $1.00. Grab this launch offer before the price goes up!\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844830339300,"sku":"EV-FIN-3.2","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8428505718_nw5t.jpg?v=1789202996"},{"product_id":"monthly-budget-spreadsheet-blush-pink-01976","title":"Monthly Budget Spreadsheet: Blush Pink Google Sheets Planner (Digital Download)","description":"\u003cp\u003eTake control of your finances with the most complete Monthly Budget Spreadsheet on Etsy!\u003c\/p\u003e\n\u003cp\u003eThis premium Blush Pink Google Sheets template includes 10 beautifully designed tabs with 225 auto-calculating formulas, pie charts, line graphs, bar charts, and progress tracking — everything you need to manage your money in one place.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Beautiful branded intro with quick-start guide\u003cbr\u003e\n⚙️ Setup — Enter your income (9 sources) and budget across 16 categories\u003cbr\u003e\n📊 Monthly Dashboard — KPI cards, pie charts, line graphs, budget vs actual bars\u003cbr\u003e\n💰 Income Tracker — Log 30+ income entries with category breakdowns \u0026amp; pie chart\u003cbr\u003e\n📋 Expense Log — 100-row daily tracker with 16 categories \u0026amp; auto-summarizing pie chart\u003cbr\u003e\n🏠 Bills \u0026amp; Subscriptions — Track 22 bills with due dates, status, auto-pay, and bar charts\u003cbr\u003e\n💸 Budget vs Actual — Side-by-side comparison with variance analysis \u0026amp; grouped bar chart\u003cbr\u003e\n📈 Trends \u0026amp; Insights — Weekly breakdowns, payment method analysis, spending insights\u003cbr\u003e\n💎 Savings Goals — 12 goals with progress tracking, bar charts \u0026amp; allocation pie chart\u003cbr\u003e\n📝 Notes \u0026amp; Reminders — Action items, monthly reflection prompts\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Budget allocation by category\u003cbr\u003e\n• Pie Chart — Expenses by category\u003cbr\u003e\n• Pie Chart — Income by category\u003cbr\u003e\n• Pie Chart — Savings allocation\u003cbr\u003e\n• Pie Chart — Spending by payment method\u003cbr\u003e\n• Line Chart — Income vs Expenses vs Savings (12-month trend)\u003cbr\u003e\n• Line Chart — Weekly income vs expenses\u003cbr\u003e\n• Bar Chart — Budget vs Actual spending comparison\u003cbr\u003e\n• Bar Chart — Savings goal progress (target vs saved)\u003cbr\u003e\n• Bar Chart — Bills by payment status\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with realistic data so you can see exactly how the template works before entering your own numbers. Use it as a reference or test drive!\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• 225 auto-calculating formulas — zero manual math\u003cbr\u003e\n• 16 expense categories with emoji icons\u003cbr\u003e\n• 9 income source slots\u003cbr\u003e\n• 22 bill\/subscription rows\u003cbr\u003e\n• 12 savings goals with progress tracking\u003cbr\u003e\n• Weekly \u0026amp; monthly trend analysis\u003cbr\u003e\n• Payment method breakdown\u003cbr\u003e\n• Monthly reflection \u0026amp; insight prompts\u003cbr\u003e\n• Freeze panes for easy scrolling\u003cbr\u003e\n• Premium Blush Pink color theme (Rose Gold accents)\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Start with the ⚙️ Setup tab — enter your income and budget\u003cbr\u003e\n4. Log expenses in the 📋 Expense Log\u003cbr\u003e\n5. Watch your 📊 Dashboard come alive with charts!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Monthly Budget Template (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile other sellers offer 1-2 tab budget templates, EasyVault gives you 10 premium tabs with charts, graphs, and visual analytics — at a fraction of the price. We believe budgeting should be beautiful AND powerful.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844830535908,"sku":"EV-FIN-3.1","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8476355229_52ju.jpg?v=1789203002"},{"product_id":"52-week-cash-flow-tracker-weekly-budget-74289","title":"52-Week Cash Flow Tracker | Weekly Budget Planner with Running Balance (Google Sheets)","description":"\u003cp\u003e🌿 Know exactly how much money you have — every single week.\u003c\/p\u003e\n\u003cp\u003eMost budgets show you monthly totals. This one shows your RUNNING BALANCE across all 52 weeks of the year. Watch your money grow week by week with a live line chart that trends your cash flow over the entire year.\u003c\/p\u003e\n\u003cp\u003eWith 10 tabs including a 52-week cash flow tracker with line chart, duplicatable weekly budget with pie chart, 7-day daily expense log with bar chart, and category spending analysis — this is the most complete weekly budget on Etsy.\u003c\/p\u003e\n\u003cp\u003e📂 10 TABS INCLUDED\u003c\/p\u003e\n\u003cp\u003e📖 Instructions · ⚙️ Setup (starting balance, weekly pay, categories) · 📊 Dashboard (annual KPIs) · 📋 52-Week Cash Flow (★ THE STAR TAB — all 52 weeks + running balance + line chart) · 💰 Weekly Budget (duplicatable + pie chart) · 📝 Daily Tracker (Mon–Sun × 11 categories + bar chart) · 🗓️ Bill Calendar (20 bills × 12 months) · 🏦 Savings Tracker (8 goals + progress) · 💳 Debt Tracker (Snowball \u0026amp; Avalanche) · 📈 Spending Analysis (category breakdown + pie chart)\u003c\/p\u003e\n\u003cp\u003e🎁 BONUS: Sample Data Template with realistic weekly data in every tab\u003c\/p\u003e\n\u003cp\u003e⚡ KEY FEATURES\u003c\/p\u003e\n\u003cp\u003e✅ 52-week running balance with live line chart\u003cbr\u003e\n✅ 227 auto-calculating formulas — zero errors\u003cbr\u003e\n✅ 5 charts total (line + 2 pie + 2 bar)\u003cbr\u003e\n✅ Daily expense tracking (7 days × 11 categories)\u003cbr\u003e\n✅ Cash flow = Income In − Bills − Expenses − Savings\u003cbr\u003e\n✅ Balance carries forward week to week automatically\u003cbr\u003e\n✅ Spending Analysis with category pie chart\u003cbr\u003e\n✅ Teal \u0026amp; White design — fresh, modern, gender-neutral\u003cbr\u003e\n✅ Any currency, any device, reuse every year\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844830798052,"sku":"EV-FIN-2.4","price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8476336207_e59z.jpg?v=1789203009"},{"product_id":"biweekly-budget-planner-pc1pc2-monthly-72075","title":"Biweekly Budget Planner | PC1\/PC2 Monthly View, 816 Formulas (Google Sheets)","description":"\u003cp\u003e💰 See BOTH paychecks in every month — side by side.\u003c\/p\u003e\n\u003cp\u003eMost biweekly budget templates make you duplicate a single tab over and over. This one gives you 12 pre-built monthly tabs with Paycheck 1 and Paycheck 2 columns already in place. Know exactly which bills come out of which paycheck — and how much is left over after each one.\u003c\/p\u003e\n\u003cp\u003eWith 816 auto-calculating formulas, 12 monthly pie charts, a Bill Calendar with PC1\/PC2 assignment, and an Annual Dashboard — this is the most complete biweekly monthly-view budget on Etsy.\u003c\/p\u003e\n\u003cp\u003e📂 16 TABS INCLUDED\u003c\/p\u003e\n\u003cp\u003e📖 Instructions — Step-by-step guide\u003cbr\u003e\n⚙️ Setup — Name, currency, pay frequency, categories\u003cbr\u003e\n📊 Annual Dashboard — KPI cards + Income vs Outgoing bar chart + PC1\/PC2 leftover per month\u003cbr\u003e\n📅 January → December (12 Monthly Tabs) — each with:\u003cbr\u003e\n • Paycheck 1 column (1st–15th) + Paycheck 2 column (16th–31st)\u003cbr\u003e\n • Income, Bills, Variable Expenses, Savings sections\u003cbr\u003e\n • Monthly Total auto-calculated (PC1 + PC2)\u003cbr\u003e\n • Monthly Summary (total income, bills, expenses, savings, surplus, savings rate)\u003cbr\u003e\n • PC1 leftover + PC2 leftover shown separately\u003cbr\u003e\n • Pie chart: Bills vs Expenses vs Savings vs Left Over\u003cbr\u003e\n🗓️ Bill Calendar — 20 bills × 12 months with PC1\/PC2 assignment column\u003c\/p\u003e\n\u003cp\u003e🎁 BONUS: Sample Template with Full Data — realistic example numbers in every tab\u003c\/p\u003e\n\u003cp\u003e⚡ KEY FEATURES\u003c\/p\u003e\n\u003cp\u003e✅ 816 auto-calculating formulas — zero errors\u003cbr\u003e\n✅ 12 pie charts — one per month, auto-updating\u003cbr\u003e\n✅ PC1 + PC2 side-by-side columns in every section\u003cbr\u003e\n✅ See leftover per paycheck AND per month\u003cbr\u003e\n✅ Bill Calendar with \"PC1 or PC2\" assignment column\u003cbr\u003e\n✅ Income vs Outgoing bar chart on Dashboard\u003cbr\u003e\n✅ Conditional formatting: green (surplus) \/ red (deficit)\u003cbr\u003e\n✅ Works for biweekly or semi-monthly pay\u003cbr\u003e\n✅ Any currency — change in one cell\u003cbr\u003e\n✅ Blush Pink aesthetic — beautiful design\u003cbr\u003e\n✅ Reuse every year — buy once, own forever\u003cbr\u003e\n✅ Works on any device — free Google Sheets\u003c\/p\u003e\n\u003cp\u003e🎯 WHO IS THIS FOR?\u003c\/p\u003e\n\u003cp\u003e→ Anyone paid biweekly (every 2 weeks) or semi-monthly (1st \u0026amp; 15th)\u003cbr\u003e\n→ People who need to know which paycheck covers which bills\u003cbr\u003e\n→ Couples splitting bills across two paychecks\u003cbr\u003e\n→ Anyone tired of duplicating a single paycheck tab every 2 weeks\u003c\/p\u003e\n\u003cp\u003e📥 HOW IT WORKS\u003c\/p\u003e\n\u003cp\u003e1. Purchase \u0026amp; download the PDF\u003cbr\u003e\n2. Click the Google Sheets link → File → Make a Copy\u003cbr\u003e\n3. Open ⚙️ Setup — enter your details\u003cbr\u003e\n4. Go to the 🗓️ Bill Calendar — assign each bill to PC1 or PC2\u003cbr\u003e\n5. Open any monthly tab — enter amounts in PC1 and PC2 columns\u003cbr\u003e\n6. Check 📊 Dashboard for your annual overview!\u003c\/p\u003e\n\u003cp\u003e⚠️ PLEASE NOTE: Digital download. Google Sheets only (free). Personal use only.\u003c\/p\u003e\n\u003cp\u003e💕 Thank you for choosing EasyVault! © EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844831191268,"sku":"EV-FIN-2.3","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8428379968_d00j.jpg?v=1789203017"},{"product_id":"dark-mode-paycheck-budget-planner-navy-53767","title":"Dark Mode Paycheck Budget Planner | Navy Gold 50\/30\/20 Calculator (Google Sheets)","description":"\u003cp\u003e🌙 Budget by PAYCHECK, not by month — in stunning dark mode.\u003c\/p\u003e\n\u003cp\u003eStop guessing where your money goes between paychecks. This Navy \u0026amp; Gold dark mode spreadsheet helps you allocate every dollar of each paycheck BEFORE you spend it. Zero-based budgeting that's easy on the eyes and easy on your wallet.\u003c\/p\u003e\n\u003cp\u003e📂 10 TABS INCLUDED\u003c\/p\u003e\n\u003cp\u003e📖 Instructions — Step-by-step guide\u003cbr\u003e\n⚙️ Setup — Name, currency, pay frequency, custom categories\u003cbr\u003e\n📊 Dashboard — Annual overview + Income vs Outgoing bar chart\u003cbr\u003e\n💰 Paycheck Budget — THE MAIN TAB: income → bills → expenses → savings → LEFT OVER. Includes pie chart. Duplicate for each new paycheck!\u003cbr\u003e\n📝 Transactions — 60-row log (date, description, category, amount, type, paycheck #)\u003cbr\u003e\n🗓️ Bill Calendar — 20 bills × 12 months with due dates \u0026amp; auto-pay column\u003cbr\u003e\n🏦 Savings Tracker — 8 sinking funds with %, colour-coded progress\u003cbr\u003e\n💳 Debt Tracker — 8 debts, Snowball \u0026amp; Avalanche strategy guide\u003cbr\u003e\n📈 50\/30\/20 Rule — Auto-calculator: enter pay → see Needs\/Wants\/Savings split + pie chart\u003cbr\u003e\n📋 Monthly Summary — Combine all paychecks into one monthly view + bar chart\u003c\/p\u003e\n\u003cp\u003e🎁 BONUS INCLUDED: Sample Template with Full Data\u003cbr\u003e\nSee exactly how the spreadsheet works with realistic example numbers pre-filled in every tab. Use it as a reference while filling in your own blank template!\u003c\/p\u003e\n\u003cp\u003e⚡ KEY FEATURES\u003c\/p\u003e\n\u003cp\u003e✅ 129 auto-calculating formulas — zero manual maths\u003cbr\u003e\n✅ 4 live charts (2 pie + 2 bar) — auto-updating\u003cbr\u003e\n✅ Zero-based budgeting — allocate every dollar, see leftover instantly\u003cbr\u003e\n✅ Duplicatable paycheck tab — right-click → duplicate for each pay period\u003cbr\u003e\n✅ Works for weekly, biweekly, semi-monthly, or monthly pay\u003cbr\u003e\n✅ 50\/30\/20 auto-calculator with visual pie chart\u003cbr\u003e\n✅ Rollover tracking from previous paycheck\u003cbr\u003e\n✅ Bill due dates aligned with pay dates\u003cbr\u003e\n✅ Colour-coded conditional formatting (green = good, red = over budget)\u003cbr\u003e\n✅ Works in any currency — change in one cell\u003cbr\u003e\n✅ Navy \u0026amp; Gold dark mode — reduces eye strain\u003cbr\u003e\n✅ Instant download — start budgeting in under 5 minutes\u003c\/p\u003e\n\u003cp\u003e🎯 WHAT YOU RECEIVE\u003c\/p\u003e\n\u003cp\u003e→ 1× Blank Paycheck Budget Template (your main working file)\u003cbr\u003e\n→ 1× Sample Data Template with full example data (reference guide)\u003cbr\u003e\n→ PDF with Google Sheets access links\u003cbr\u003e\n→ Built-in instructions inside the spreadsheet\u003c\/p\u003e\n\u003cp\u003e📥 HOW IT WORKS\u003c\/p\u003e\n\u003cp\u003e1. Purchase \u0026amp; download the PDF\u003cbr\u003e\n2. Click the Google Sheets link\u003cbr\u003e\n3. File → Make a Copy (saves to your Google Drive)\u003cbr\u003e\n4. Open the ⚙️ Setup tab — enter your details\u003cbr\u003e\n5. Open 💰 Paycheck Budget — allocate your pay!\u003cbr\u003e\n6. For each new paycheck: right-click tab → Duplicate → rename → fill in\u003c\/p\u003e\n\u003cp\u003e❓ FAQ\u003c\/p\u003e\n\u003cp\u003eQ: Does it work for weekly pay? → Yes! Weekly, biweekly, semi-monthly, or monthly.\u003cbr\u003e\nQ: Can both partners use it? → Yes! Google Sheets allows real-time collaboration.\u003cbr\u003e\nQ: Can I change the currency? → Yes — one cell in Setup applies everywhere.\u003cbr\u003e\nQ: Can I reuse it? → Yes! Buy once, duplicate tabs forever. No annual fee.\u003c\/p\u003e\n\u003cp\u003e⚠️ PLEASE NOTE: Digital download only. Google Sheets required (free). Personal use only.\u003c\/p\u003e\n\u003cp\u003e💛 Thank you for choosing EasyVault! © EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844834304228,"sku":"EV-FIN-2.2","price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8476171923_o50p.jpg?v=1789203056"},{"product_id":"2026-year-at-a-glance-planner-google-74726","title":"2026 Year at a Glance Planner | Google Sheets Annual Overview (Digital Download)","description":"\u003cp\u003e🌸 See your entire 2026 — at a glance.\u003c\/p\u003e\n\u003cp\u003eMost Year at a Glance planners on Etsy give you 1 tab with a basic calendar grid. This one gives you 5 premium tabs with 3 live charts — all in a stunning light mode design that's beautifully calming. \u003c\/p\u003e\n\u003cp\u003eWhether you're planning events, tracking goals, or just want to see your whole year on one screen, this is the cleanest, most visual annual planner you'll find.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 5 TABS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Welcome Tab — Quick start guide with tips and colour legend.\u003c\/p\u003e\n\u003cp\u003e📅 Year at a Glance — Full 12-month horizontal calendar with all 365 days on one screen. Weekends shaded. Click any cell to add events, birthdays, deadlines, or notes. Accurate 2026 dates with correct weekday alignment.\u003c\/p\u003e\n\u003cp\u003e🗓️ Monthly Calendars — Traditional calendar grids for all 12 months (4 × 3 layout). Monday–Sunday format with day numbers. Click dates to add events.\u003c\/p\u003e\n\u003cp\u003e🎯 Goals \u0026amp; Milestones — Track up to 12 annual goals with target, deadline, progress, and completion %. Includes a horizontal bar chart that fills up as you achieve your goals. Colour-coded: red (\u0026lt; 50%), gold (50–99%), green (100%+).\n\n📊 Year Summary — Monthly activity tracker (events, tasks, birthdays, goals, mood score) with THREE live charts:\n • 🥧 Pie Chart — Event distribution by month\n • 📈 Line Chart — Monthly mood trend over the year\n • 📊 Bar Chart — Tasks completed vs events by month\n\n─────────────────────────────────────\n⚡ KEY FEATURES\n─────────────────────────────────────\n\n✅ 3 live charts — Pie, Line \u0026amp; Bar (auto-updating)\n✅ Accurate 2026 calendar with correct weekday alignment\n✅ Weekends visually shaded for quick identification\n✅ 12 pre-filled goal templates (editable)\n✅ Monthly mood tracker (rate 1–10)\n✅ Dark mode lavender \u0026amp; white — calming aesthetic\n✅ Works on any device — laptop, iPad, phone\n✅ Google Sheets — free, no software needed\n✅ Reusable every year\n✅ Instant download\n\n─────────────────────────────────────\n📥 HOW IT WORKS\n─────────────────────────────────────\n\n1. Purchase \u0026amp; download the PDF\n2. Click the Google Sheets link inside\n3. File → Make a Copy\n4. Start planning your 2026!\n\n─────────────────────────────────────\n❓ FAQ\n─────────────────────────────────────\n\nQ: Can I use it for 2027+?\nA: The calendar dates are set for 2026, but you can duplicate the file and update the dates for any year.\n\nQ: Does it work on mobile?\nA: Yes — Google Sheets works on any device. Desktop is recommended for the best view.\n\n─────────────────────────────────────\n⚠️ PLEASE NOTE\n─────────────────────────────────────\n\n→ DIGITAL DOWNLOAD — no physical product shipped.\n→ Google Sheets only (free Google account required).\n→ Listing images show sample data for demonstration.\n→ Personal use only.\n\n─────────────────────────────────────\n\nThank you for choosing EasyVault! 🌸\n\n💰 Love this? Check out our Ultimate Annual Budget Spreadsheet with 17 tabs, 1,000+ formulas, and full financial tracking.\n\n© EasyVault. All Rights Reserved.\n\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844834402532,"sku":"EV-FIN-1.5","price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8475712440_l4kj.jpg?v=1789203064"},{"product_id":"new-homeowner-budget-spreadsheet-piti-72900","title":"New Homeowner Budget Spreadsheet: PITI Mortgage Calculator, Maintenance Log (Google Sheets)","description":"\u003cp\u003eJust bought a home — or about to? Here's the budget that shows your true monthly cost. 🏡\u003c\/p\u003e\n\u003cp\u003eYour mortgage payment is not your real housing cost. Add property taxes, insurance, PMI, HOA, utilities, and a maintenance reserve, and the true number can be $1,000+ higher every month. The EasyVault New Homeowner Budget makes it crystal clear with a PITI mortgage calculator, a cash-to-close planner, a maintenance log built around the 1% rule, a projects tracker, and 10 charts across 10 tabs — all in a warm, trustworthy navy design.\u003c\/p\u003e\n\u003cp\u003e✦ THE PROBLEM THIS SOLVES:\u003cbr\u003e\nFirst-time buyers plan for the mortgage and get blindsided by everything else. This template reveals your full cost of ownership upfront — PITI (Principal + Interest + Taxes + Insurance) plus PMI, HOA, utilities and a maintenance reserve — so there are no surprises after you get the keys.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e🏡 Welcome — The new homeowner playbook, with a quick-start guide\u003cbr\u003e\n🏦 Mortgage Calculator — True monthly cost: PITI + PMI + HOA + maintenance ⭐\u003cbr\u003e\n💰 Home Buying Costs — Cash-to-close planner with \"am I ready?\" tracker\u003cbr\u003e\n📊 Dashboard — True cost of ownership: mortgage vs everything else\u003cbr\u003e\n📋 Monthly Budget — Budget all income \u0026amp; expenses with full PITI\u003cbr\u003e\n🔧 Maintenance Log — Track repairs, service dates \u0026amp; the 1% reserve\u003cbr\u003e\n🛠️ Home Projects — Plan improvements \u0026amp; keep receipts for resale\u003cbr\u003e\n🎯 Savings Goals — Home emergency fund, renovations \u0026amp; more\u003cbr\u003e\n📈 Annual Trends — See income, home costs \u0026amp; spending across the year\u003cbr\u003e\n📒 Guide \u0026amp; Notes — The new homeowner playbook, plus your notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• PITI mortgage calculator — enter price, down payment \u0026amp; rate, get your real payment\u003cbr\u003e\n• Auto-calculates P\u0026amp;I with a proper mortgage formula, plus taxes, insurance, PMI, HOA \u0026amp; utilities\u003cbr\u003e\n• Maintenance reserve based on the 1%-of-home-value rule\u003cbr\u003e\n• Cash-to-close planner — 13 line items most buyers forget, with saved vs still-needed\u003cbr\u003e\n• Home maintenance log with categories \u0026amp; next-service dates\u003cbr\u003e\n• Home improvement projects tracker (budget, spent, status)\u003cbr\u003e\n• Home emergency fund built in as savings goal #1\u003cbr\u003e\n• Monthly budget with your full PITI as one clean line\u003cbr\u003e\n• 10 charts total — pie, doughnut, bar \u0026amp; line\u003cbr\u003e\n• Warm, established-home navy \u0026amp; brass design\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS (10 total):\u003cbr\u003e\n• Pie — Where your housing dollar goes\u003cbr\u003e\n• Pie — Upfront cost breakdown\u003cbr\u003e\n• Doughnut — Monthly cost split (mortgage vs extras)\u003cbr\u003e\n• Line — Home costs vs other spending\u003cbr\u003e\n• Bar — Budget vs actual\u003cbr\u003e\n• Pie — Maintenance by category\u003cbr\u003e\n• Bar — Project budget vs spent\u003cbr\u003e\n• Bar — Savings goal progress\u003cbr\u003e\n• Line — Income vs home costs vs spending vs savings\u003cbr\u003e\n• Bar — Home costs + other spending (stacked)\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nA prefilled SAMPLE spreadsheet shows the whole system working — a $385k home, a $3,544 true monthly cost, a $64k cash-to-close plan, a maintenance log, projects \u0026amp; annual trends — so you can see it in action before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase \u0026amp; download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your home price, down payment \u0026amp; rate on the Mortgage Calculator\u003cbr\u003e\n4. See your true monthly cost \u0026amp; plan your cash to close\u003cbr\u003e\n5. Budget monthly, log maintenance \u0026amp; grow your home emergency fund!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x New Homeowner Budget Spreadsheet (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Spreadsheet (Google Sheets — prefilled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• Also opens in Excel\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nFirst-time home buyers • New homeowners • House hunters comparing options • Anyone budgeting for a mortgage • Couples buying together • Housewarming \u0026amp; closing gifts\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nA free calculator gives you P\u0026amp;I and stops there. We give you the complete picture — true cost of ownership, cash to close, maintenance planning \u0026amp; projects — everything a new homeowner actually needs, for just $7.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, mortgage, or legal advice, and all calculations are estimates — always confirm figures with your lender and a licensed professional before making decisions.\u003c\/p\u003e\n\u003cp\u003ePlease note: This is a DIGITAL product. No physical item will be shipped. Listing images show example data for demonstration; the template is blank and ready for your input (a prefilled sample is included too).\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nCongratulations on your new home! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844834500836,"sku":"EV-FIN-3.17","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8425387406_38me.jpg?v=1789203070"},{"product_id":"nurse-paycheck-budget-spreadsheet-shift-69152","title":"Nurse Paycheck Budget Spreadsheet: Shift Income Planner, RN Salary Tracker (Google Sheets)","description":"\u003cp\u003eFinally, a budget that understands how nurses actually get paid. 🩺\u003c\/p\u003e\n\u003cp\u003eYour paycheck is never just base pay. Night differentials, weekend premiums, overtime, charge-nurse pay, holiday pay, and PRN shifts can add $5,000–$15,000 to your income every year — but they change with every single paycheck. The EasyVault Nurse Paycheck Budget is built for that reality, with a Shift Income Calculator that computes each check's true gross, a smart budget-on-base-pay strategy, a student loan tracker, and 9 charts across 10 tabs — all in a calm scrub-teal design.\u003c\/p\u003e\n\u003cp\u003e✦ THE PROBLEM THIS SOLVES:\u003cbr\u003e\nA budget based only on your base salary misses a huge chunk of your real income — and leaves you guessing. Some pay periods have big differentials and overtime; others get cut by low census. This planner separates your steady base pay from your variable extras, so you budget your bills on what's guaranteed and turn every extra shift into savings and debt payoff.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e🩺 Welcome — The nurse money strategy made simple, with a quick-start guide\u003cbr\u003e\n💉 Shift Income Calculator — Enter rates + shifts → true gross per check ⭐\u003cbr\u003e\n💵 Paycheck Log — Log all 26 real paychecks; catch payroll errors\u003cbr\u003e\n📊 Dashboard — Base vs extras, savings rate \u0026amp; income composition charts\u003cbr\u003e\n📋 Monthly Budget — Budget essentials on base pay\u003cbr\u003e\n🧾 Bills Tracker — Track recurring bills \u0026amp; due dates\u003cbr\u003e\n🎓 Student Loans — Attack nursing-school debt with differential income\u003cbr\u003e\n🎯 Savings Goals — Turn every extra shift into progress\u003cbr\u003e\n📈 Annual Trends — Base, differentials, OT \u0026amp; savings across the year\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Nurse pay explained, plus your notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Shift Income Calculator — set base rate + night\/weekend\/charge differentials, OT \u0026amp; holiday multipliers, then log shifts for each check's true gross\u003cbr\u003e\n• Effective-rate display (day, night, weekend-night, overtime)\u003cbr\u003e\n• Paycheck log for all 26 biweekly checks — spot differential errors\u003cbr\u003e\n• \"Budget on base pay\" strategy so a low-census month never sinks you\u003cbr\u003e\n• Student loan tracker (6 loans) — the average nurse carries $50k–$100k\u003cbr\u003e\n• 8 savings goals + bills tracker\u003cbr\u003e\n• Income-composition breakdown: see base vs differentials vs OT vs PRN\u003cbr\u003e\n• 9 charts total — pie, bar \u0026amp; line\u003cbr\u003e\n• Calm, professional scrub-teal design\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS (9 total):\u003cbr\u003e\n• Pie — Base vs differentials (per period)\u003cbr\u003e\n• Pie — Annual income composition\u003cbr\u003e\n• Bar — Net income by month\u003cbr\u003e\n• Bar — Budget vs actual\u003cbr\u003e\n• Pie — Bills breakdown\u003cbr\u003e\n• Pie — Student loan balances\u003cbr\u003e\n• Bar — Savings goal progress\u003cbr\u003e\n• Line — Base vs differentials vs OT vs savings\u003cbr\u003e\n• Bar — Base + extra income by month (stacked)\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nA prefilled SAMPLE spreadsheet shows the whole system working — rates entered, shifts logged, 26 paychecks, loans, savings \u0026amp; annual trends — so you can see how a real nurse's income flows before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase \u0026amp; download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your base rate \u0026amp; differentials on the Shift Income Calculator\u003cbr\u003e\n4. Log your shifts to see each paycheck's true gross\u003cbr\u003e\n5. Budget bills on base pay \u0026amp; send the extras to savings and loans!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Nurse Paycheck Budget Spreadsheet (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Spreadsheet (Google Sheets — prefilled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• Also opens in Excel\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nRNs, LPNs \u0026amp; CNAs • Night-shift \u0026amp; weekend nurses • New grads with student loans • Travel \u0026amp; PRN nurses • Anyone whose paycheck changes every period • Nurses who want their hard-earned differentials to actually build wealth\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nGeneric budgets assume one steady salary. We built this specifically for nurses — with a real shift-income calculator, a paycheck log, and a strategy that turns your differentials into savings — for just $6.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice, and does not guarantee any specific pay calculation — always verify against your employer's payroll and contract. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003ePlease note: This is a DIGITAL product. No physical item will be shipped. Listing images show example data for demonstration; the template is blank and ready for your input (a prefilled sample is included too).\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase, and thank you for the work you do! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844835025124,"sku":"EV-FIN-3.15","price":6.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8425363426_i72h.jpg?v=1789203076"},{"product_id":"zero-based-budget-spreadsheet-terracotta-64682","title":"Zero-Based Budget Spreadsheet: Terracotta Edition, Google Sheets, 9 Charts (Digital Download)","description":"\u003cp\u003eGive every dollar a job — with a complete zero-based budgeting system, not just a single tab. 🌾\u003c\/p\u003e\n\u003cp\u003eThe EasyVault Zero-Based Budget Spreadsheet turns the \"every dollar has a job\" method into a beautiful, connected Google Sheets system. Assign your income across 36 categories until your Available to Budget hits exactly $0 — then log spending and watch your envelope balances update automatically. Includes a live dashboard, transaction log, envelope balances, account tracking, and 9 charts, all in a warm, modern terracotta palette.\u003c\/p\u003e\n\u003cp\u003e✦ WHY ZERO-BASED BUDGETING WORKS:\u003cbr\u003e\nIncome − Expenses = Zero. Every dollar you earn gets assigned a purpose — rent, groceries, savings, debt, fun — before you spend it. Unassigned money tends to disappear into impulse buys; giving each dollar a name forces intentional, confident decisions. It's the method behind YNAB and Dave Ramsey's EveryDollar — now in a spreadsheet you own.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS A ONE-TAB TRACKER:\u003cbr\u003e\nMost zero-based templates are a single tab. EasyVault gives you a connected system: assign dollars on the Budget tab, log purchases on Transactions, and your Category Balances, Dashboard, and charts all update automatically. Overspent somewhere? Reassign from another category — your budget stays balanced.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (9 TABS):\u003c\/p\u003e\n\u003cp\u003e🌾 Welcome — The zero-based method made simple, with a quick-start guide\u003cbr\u003e\n💵 Income — Log every dollar you expect this month\u003cbr\u003e\n📋 Budget — Assign every dollar across 36 categories until Available = $0 ⭐\u003cbr\u003e\n📊 Dashboard — Your Available-to-Budget counter, savings rate \u0026amp; charts\u003cbr\u003e\n🧾 Transactions — 150-row log that auto-updates your categories\u003cbr\u003e\n✉️ Category Balances — Envelope view: assigned − spent = what's left\u003cbr\u003e\n🏦 Accounts — Track balances across checking, savings, cash \u0026amp; more\u003cbr\u003e\n📈 Annual Trends — Income, spending \u0026amp; savings across the whole year\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Zero-based budgeting explained, plus your notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Live \"Available to Budget\" counter — assign until it hits $0\u003cbr\u003e\n• 36 categories organized into 9 intuitive groups\u003cbr\u003e\n• Envelope-style balances that update as you spend\u003cbr\u003e\n• 150-row transaction log with account tracking\u003cbr\u003e\n• Multiple account balances in one place\u003cbr\u003e\n• Savings rate + still-to-spend at a glance\u003cbr\u003e\n• Annual trends with a \"leftover\" chart (drive it to zero!)\u003cbr\u003e\n• 9 charts total — pie, doughnut, bar \u0026amp; line\u003cbr\u003e\n• Warm, modern terracotta design\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS (9 total):\u003cbr\u003e\n• Pie — Where your dollars are assigned (by group)\u003cbr\u003e\n• Pie — Spending by group\u003cbr\u003e\n• Bar — Assigned vs spent by group\u003cbr\u003e\n• Doughnut — Assigned vs unassigned\u003cbr\u003e\n• Bar — Assigned vs spent by category\u003cbr\u003e\n• Pie — Balance by account\u003cbr\u003e\n• Bar — Account balances\u003cbr\u003e\n• Line — Income, spending \u0026amp; savings over the year\u003cbr\u003e\n• Bar — Leftover (unbudgeted) by month\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nA prefilled SAMPLE spreadsheet shows the whole system working — income assigned to exactly $0, a month of transactions, envelope balances, accounts \u0026amp; annual trends — so you can see how it flows before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase \u0026amp; download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your income on the Income tab\u003cbr\u003e\n4. On the Budget tab, assign every dollar until Available to Budget = $0\u003cbr\u003e\n5. Log spending on Transactions — your envelopes update automatically!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Zero-Based Budget Spreadsheet (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Spreadsheet (Google Sheets — prefilled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• Also opens in Excel\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nFans of YNAB \u0026amp; EveryDollar who want to skip the subscription • Anyone who wants to know where every dollar goes • Envelope budgeters • Couples \u0026amp; families • Debt-payoff journeys • People who love a warm, cozy aesthetic\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhere others give you one tab, we give you a complete, connected zero-based system with 9 charts and an envelope view — beautiful, automatic, and built to make \"every dollar has a job\" effortless — for just $8.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003ePlease note: This is a DIGITAL product. No physical item will be shipped. Listing images show example data for demonstration; the template is blank and ready for your input (a prefilled sample is included too).\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844835123428,"sku":"EV-FIN-3.13","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8473191745_8bi8.jpg?v=1789203083"},{"product_id":"money-mastery-annual-budget-planner-16646","title":"Money Mastery Annual Budget Planner: Fillable PDF, Rose Gold Design (Digital Download)","description":"\u003cp\u003eMaster your money all year long — type right on the page! 🌸\u003c\/p\u003e\n\u003cp\u003eThe Money Mastery Annual Budget Planner is a beautiful, interactive fillable PDF with 900+ typeable fields across 24 elegant Rose Gold pages. Unlike ordinary printables, every field is interactive — click and type your numbers straight into the PDF on your computer, tablet, or phone. No printing required (though it looks gorgeous printed, too!).\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS PLANNER IS DIFFERENT:\u003cbr\u003e\nMost budget PDFs are print-only. This one is a TRUE fillable PDF — type your income, expenses, goals, and more directly on each page and your entries save right inside the file. Edit anytime, reuse every year, and keep your data private on your own device.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (24 PAGES):\u003c\/p\u003e\n\u003cp\u003e🌸 Welcome \u0026amp; How-To Guide\u003cbr\u003e\n🌸 Annual Overview — your whole year of income, expenses \u0026amp; savings at a glance\u003cbr\u003e\n🌸 Income Tracker — every source, month by month\u003cbr\u003e\n🌸 12 Monthly Budget Pages — a full budget for every month (Jan–Dec)\u003cbr\u003e\n🌸 Bill Tracker — due dates \u0026amp; paid checkboxes for each month\u003cbr\u003e\n🌸 Debt Payoff Tracker — snowball your balances to zero\u003cbr\u003e\n🌸 Savings Goals — track multiple goals with progress boxes\u003cbr\u003e\n🌸 Sinking Funds — save gradually for big irregular expenses\u003cbr\u003e\n🌸 Net Worth Tracker — assets, liabilities \u0026amp; monthly net worth\u003cbr\u003e\n🌸 No-Spend Challenge — a full year of daily habit tracking\u003cbr\u003e\n🌸 Year-End Reflection \u0026amp; Notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• 900+ interactive fillable fields (1,800+ total form fields!)\u003cbr\u003e\n• Type on any device — laptop, tablet, iPad or phone\u003cbr\u003e\n• 12 full monthly budget pages with Budget vs Actual vs Difference\u003cbr\u003e\n• 18 editable expense categories per month\u003cbr\u003e\n• Bill, debt, savings, sinking fund \u0026amp; net worth trackers\u003cbr\u003e\n• No-spend challenge for all 12 months\u003cbr\u003e\n• Elegant Rose Gold design\u003cbr\u003e\n• US Letter size\u003cbr\u003e\n• Reusable year after year — never expires\u003cbr\u003e\n• Instant digital download\u003c\/p\u003e\n\u003cp\u003e✦ HOW IT WORKS:\u003cbr\u003e\n1. Download instantly after purchase (PDF)\u003cbr\u003e\n2. Open in a PDF app that supports forms (Adobe Acrobat Reader is free)\u003cbr\u003e\n3. Click any field and type — your entries save inside the PDF\u003cbr\u003e\n4. Work through each month and update your trackers\u003cbr\u003e\n5. Reflect at year-end, then reuse next year!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Money Mastery Annual Budget Planner (fillable PDF, 24 pages)\u003cbr\u003e\n• Welcome guide with step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• A PDF app that supports fillable form fields\u003cbr\u003e\n (Adobe Acrobat Reader — free — is recommended; also works in\u003cbr\u003e\n GoodNotes, Xodo, Notability \u0026amp; most PDF form viewers)\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Prints beautifully on US Letter if you prefer paper\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nAnnual budgeting • Digital planning on a tablet\/iPad • Paycheck \u0026amp; monthly budgeting • Debt payoff journeys • Savings goals • Anyone who wants a complete, reusable money planner they can type on\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWe build premium, genuinely useful planners — not thin printables. Money Mastery packs a full year of budgeting, bill tracking, debt payoff, savings, net worth, and habit-building into one beautiful fillable file for just $5.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003ePlease note: This is a DIGITAL fillable PDF. No physical item will be shipped. Because fillable fields require a forms-capable PDF app, please make sure you can use one (most free readers work great).\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844835254500,"sku":"EV-FIN-EV.1","price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8475580492_agam.jpg?v=1789203091"},{"product_id":"spending-tracker-google-sheets-left-to-66044","title":"Spending Tracker Google Sheets: Left to Spend, Budget, Needs vs Wants (Digital Download)","description":"\u003cp\u003eFinally — a spending tracker that shows you how much you have LEFT to spend! 💰\u003c\/p\u003e\n\u003cp\u003eWhile every other expense tracker just shows what you've spent, EasyVault shows what's LEFT in each category — the #1 feature reviewers keep asking for. This premium Plum \u0026amp; Gold Google Sheets template packs 10 powerful tabs, category breakdowns, needs-vs-wants analysis, payment method tracking, and rich pie \u0026amp; line charts with 191 auto-calculating formulas.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost spending trackers only show what you spent. EasyVault's headline \"Budget vs Spent\" tab shows your budget, what you've spent, AND how much you have LEFT to spend per category — live, with over\/under alerts. It's the feature buyers of other trackers keep requesting in reviews.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n📝 Expense Log — 200-row log with category \u0026amp; payment method\u003cbr\u003e\n💰 Budget vs Spent — LEFT TO SPEND per category with status alerts ⭐\u003cbr\u003e\n📊 Dashboard — Total spent, top categories \u0026amp; full category pie chart\u003cbr\u003e\n🥧 Category Breakdown — Ranked spending with Need\/Want\/Savings tags\u003cbr\u003e\n⚖️ Needs vs Wants — Auto 50\/30\/20 split analysis\u003cbr\u003e\n💳 Payment Methods — Spending by cash, debit, credit \u0026amp; more\u003cbr\u003e\n📈 Monthly Trends — Spending vs budget \u0026amp; needs\/wants over the year\u003cbr\u003e\n📅 Weekly View — Break the month into weeks to catch spikes\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Step-by-step instructions \u0026amp; spending notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• \"Left to Spend\" per category — the feature everyone wants!\u003cbr\u003e\n• Over-budget \u0026amp; near-limit status alerts\u003cbr\u003e\n• 16 spending categories (fully editable)\u003cbr\u003e\n• Needs vs Wants vs Savings (50\/30\/20 rule)\u003cbr\u003e\n• Payment method breakdown (spot sneaky credit spending)\u003cbr\u003e\n• 200-row expense log\u003cbr\u003e\n• Weekly \u0026amp; monthly spending views\u003cbr\u003e\n• 191 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Plum, Purple \u0026amp; Gold theme\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Pie Chart — Where your money goes (all categories)\u003cbr\u003e\n• Pie Chart — Needs vs wants vs savings\u003cbr\u003e\n• Pie Chart — Spending by payment method\u003cbr\u003e\n• Bar Chart — Budget vs spent by category\u003cbr\u003e\n• Bar Chart — Spending ranked by category\u003cbr\u003e\n• Bar Chart — Weekly spending vs budget\u003cbr\u003e\n• Line Chart — Spending vs budget (monthly)\u003cbr\u003e\n• Line Chart — Needs vs wants over time\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour purchase includes a SAMPLE DATA file pre-filled with 44 realistic transactions so you can see exactly how the \"Left to Spend\", category breakdown, and needs-vs-wants features work before adding your own data.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Set a budget per category on the 💰 Budget vs Spent tab\u003cbr\u003e\n4. Log expenses in the 📝 Expense Log as you spend\u003cbr\u003e\n5. Watch your \"Left to Spend\" update live for every category!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Spending Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nMonthly budgeting • Weekly \u0026amp; biweekly budgeting • Tracking where your money goes • Curbing overspending • Needs vs wants awareness • Anyone who wants to know how much they have LEFT to spend\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile competitors show only what you spent (and reviewers keep asking for \"left to spend\"), EasyVault delivers exactly that — plus needs-vs-wants, payment breakdowns, and weekly views — 10 premium tabs for just $5.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844835877092,"sku":"EV-FIN-3.8","price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8468055669_knw4.jpg?v=1789203101"},{"product_id":"year-at-a-glance-planner-2026-dark-mode-69318","title":"Year at a Glance Planner 2026 Dark Mode | Google Sheets Yearly Calendar | Annual Overview Planner","description":"\u003cp\u003e🌙 See your entire 2026 — at a glance.\u003c\/p\u003e\n\u003cp\u003eMost Year at a Glance planners on Etsy give you 1 tab with a basic calendar grid. This one gives you 5 premium tabs with 3 live charts — all in a stunning dark mode design that's easy on the eyes. \u003c\/p\u003e\n\u003cp\u003eWhether you're planning events, tracking goals, or just want to see your whole year on one screen, this is the cleanest, most visual annual planner you'll find.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 5 TABS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Welcome Tab — Quick start guide with tips and colour legend.\u003c\/p\u003e\n\u003cp\u003e📅 Year at a Glance — Full 12-month horizontal calendar with all 365 days on one screen. Weekends shaded. Click any cell to add events, birthdays, deadlines, or notes. Accurate 2026 dates with correct weekday alignment.\u003c\/p\u003e\n\u003cp\u003e🗓️ Monthly Calendars — Traditional calendar grids for all 12 months (4 × 3 layout). Monday–Sunday format with day numbers. Click dates to add events.\u003c\/p\u003e\n\u003cp\u003e🎯 Goals \u0026amp; Milestones — Track up to 12 annual goals with target, deadline, progress, and completion %. Includes a horizontal bar chart that fills up as you achieve your goals. Colour-coded: red (\u0026lt; 50%), gold (50–99%), green (100%+).\n\n📊 Year Summary — Monthly activity tracker (events, tasks, birthdays, goals, mood score) with THREE live charts:\n • 🥧 Pie Chart — Event distribution by month\n • 📈 Line Chart — Monthly mood trend over the year\n • 📊 Bar Chart — Tasks completed vs events by month\n\n─────────────────────────────────────\n⚡ KEY FEATURES\n─────────────────────────────────────\n\n✅ 3 live charts — Pie, Line \u0026amp; Bar (auto-updating)\n✅ Accurate 2026 calendar with correct weekday alignment\n✅ Weekends visually shaded for quick identification\n✅ 12 pre-filled goal templates (editable)\n✅ Monthly mood tracker (rate 1–10)\n✅ Dark mode navy \u0026amp; gold — reduces eye strain\n✅ Works on any device — laptop, iPad, phone\n✅ Google Sheets — free, no software needed\n✅ Reusable every year\n✅ Instant download\n\n─────────────────────────────────────\n📥 HOW IT WORKS\n─────────────────────────────────────\n\n1. Purchase \u0026amp; download the PDF\n2. Click the Google Sheets link inside\n3. File → Make a Copy\n4. Start planning your 2026!\n\n─────────────────────────────────────\n❓ FAQ\n─────────────────────────────────────\n\nQ: Can I use it for 2027+?\nA: The calendar dates are set for 2026, but you can duplicate the file and update the dates for any year.\n\nQ: Does it work on mobile?\nA: Yes — Google Sheets works on any device. Desktop is recommended for the best view.\n\n─────────────────────────────────────\n⚠️ PLEASE NOTE\n─────────────────────────────────────\n\n→ DIGITAL DOWNLOAD — no physical product shipped.\n→ Google Sheets only (free Google account required).\n→ Listing images show sample data for demonstration.\n→ Personal use only.\n\n─────────────────────────────────────\n\nThank you for choosing EasyVault! 🌙\n\n💰 Love this? Check out our Ultimate Annual Budget Spreadsheet with 17 tabs, 1,000+ formulas, and full financial tracking — starting at $8.99.\n\n© EasyVault. All Rights Reserved.\n\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844839481572,"sku":"EV-FIN-1.4","price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8460095451_q6dj.jpg?v=1789203124"},{"product_id":"couples-budget-spreadsheet-joint-40099","title":"Couples Budget Spreadsheet | Joint Finance Tracker, Bill Split (Google Sheets)","description":"\u003cp\u003e💑 Finally — a budget spreadsheet designed specifically for COUPLES and FAMILIES.\u003c\/p\u003e\n\u003cp\u003eManaging money together is one of the biggest challenges in any relationship. This Family \u0026amp; Couples Budget Spreadsheet makes it simple, beautiful, and stress-free. With separate Partner A and Partner B columns in every monthly tab, you can both track your spending independently while seeing the complete household picture — automatically.\u003c\/p\u003e\n\u003cp\u003eBuilt-in bill split tracking, a Contribution Summary tab, and 1,722 auto-calculating formulas mean zero arguments about who paid what. Just enter your numbers — the spreadsheet does everything else. 💚\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 21 TABS INCLUDED\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Instructions Tab — Step-by-step guide with colour legend and pro tips for couples.\u003c\/p\u003e\n\u003cp\u003e⚙️ Setup Tab — Enter Partner A name, Partner B name, year, currency, and customise all 34 categories.\u003c\/p\u003e\n\u003cp\u003e📊 Annual Dashboard — Combined household KPIs (income, expenses, savings rate, net surplus) + Partner A vs Partner B contribution overview + income vs expenses bar chart. Auto-updates monthly.\u003c\/p\u003e\n\u003cp\u003e💑 Contribution Summary — WHO PAID WHAT across all 12 months. See Partner A's share vs Partner B's share as both dollar amounts and percentages. The #1 feature couples ask for.\u003c\/p\u003e\n\u003cp\u003e📋 Year in Review — All 12 months side-by-side in one table. Household income, expenses, savings and net surplus at a glance.\u003c\/p\u003e\n\u003cp\u003e🗓️ Bill Planner — 20-row annual bill calendar with a \"Who Pays\" column (Joint \/ A \/ B). Tick off each month when paid.\u003c\/p\u003e\n\u003cp\u003e💰 Savings Tracker — Track up to 8 joint savings goals with % progress and colour-coded status.\u003c\/p\u003e\n\u003cp\u003e💳 Debt Tracker — Joint AND individual debts. Snowball and Avalanche calculators with a \"Whose?\" column.\u003c\/p\u003e\n\u003cp\u003e📈 Net Worth Tracker — Combined household assets and liabilities with separate line items per partner.\u003c\/p\u003e\n\u003cp\u003e📅 January → December (12 Monthly Tabs) — Each month includes:\u003cbr\u003e\n • Partner A and Partner B columns (colour-coded blue \u0026amp; rose)\u003cbr\u003e\n • Budget vs Total Actual tracking with auto-calculated differences\u003cbr\u003e\n • Income section (5 categories per partner)\u003cbr\u003e\n • Fixed Expenses (10 categories)\u003cbr\u003e\n • Variable Expenses (15 household + personal categories)\u003cbr\u003e\n • Debt Payments (joint + individual)\u003cbr\u003e\n • Savings Goals\u003cbr\u003e\n • Monthly Summary with net surplus and savings rate\u003cbr\u003e\n • 💑 Contribution Split section — who paid what % this month\u003cbr\u003e\n • 40-row Transactions Log with \"Paid By\" column\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n💑 WHAT MAKES THIS DIFFERENT\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ DUAL PARTNER COLUMNS — Partner A and Partner B each have their own column in every section. Colour-coded blue and rose for easy identification.\u003c\/p\u003e\n\u003cp\u003e✅ AUTOMATIC BILL SPLIT — The Contribution Summary tab calculates exactly who paid what percentage of household expenses across all 12 months.\u003c\/p\u003e\n\u003cp\u003e✅ \"WHO PAYS\" TRACKING — The Bill Planner includes a \"Who Pays\" column so you know exactly whose responsibility each bill is.\u003c\/p\u003e\n\u003cp\u003e✅ \"WHOSE?\" DEBT COLUMN — Track which debts are joint, Partner A's, or Partner B's.\u003c\/p\u003e\n\u003cp\u003e✅ COMBINED NET WORTH — Separate line items for each partner's assets and liabilities, automatically summed into one household net worth figure.\u003c\/p\u003e\n\u003cp\u003e✅ 1,722 AUTO-FORMULAS — Nearly double the individual version. Every calculation is done for you.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚡ KEY FEATURES\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ 1,722 auto-calculating formulas — zero manual maths\u003cbr\u003e\n✅ Separate Partner A \u0026amp; Partner B columns (colour-coded)\u003cbr\u003e\n✅ Auto contribution split percentages per month and annually\u003cbr\u003e\n✅ Built-in bill split calculator\u003cbr\u003e\n✅ Fully customisable partner names and categories\u003cbr\u003e\n✅ Works in any currency — change in one cell\u003cbr\u003e\n✅ Reuse every year — buy once, use forever\u003cbr\u003e\n✅ Works on any device — laptop, iPad, phone\u003cbr\u003e\n✅ Sage Green \u0026amp; Ivory colour theme — gender-neutral, calming\u003cbr\u003e\n✅ Requires only a free Google account\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n🎯 WHO IS THIS FOR?\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ Couples combining finances or tracking shared bills\u003cbr\u003e\n→ Married couples managing a household budget\u003cbr\u003e\n→ Engaged couples planning finances before marriage\u003cbr\u003e\n→ Families managing household and kids' expenses\u003cbr\u003e\n→ Roommates splitting rent and utilities\u003cbr\u003e\n→ Long-distance couples keeping finances synced\u003cbr\u003e\n→ Anyone managing money as a team\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📥 HOW TO ACCESS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e1. Complete your Etsy purchase\u003cbr\u003e\n2. Download your PDF from Etsy → Purchases \u0026amp; Reviews\u003cbr\u003e\n3. Click the Google Sheets link in the PDF\u003cbr\u003e\n4. File → Make a Copy (saves to your Google Drive)\u003cbr\u003e\n5. Go to ⚙️ Setup — enter both partner names, year \u0026amp; currency\u003cbr\u003e\n6. Open any monthly tab — Partner A fills column D, Partner B fills column E!\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n❓ FAQ\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eQ: Can both partners edit at the same time?\u003cbr\u003e\nA: Yes! Google Sheets allows real-time collaboration. Both partners can be in the spreadsheet simultaneously.\u003c\/p\u003e\n\u003cp\u003eQ: What if one partner earns more?\u003cbr\u003e\nA: The Contribution Summary shows actual percentages automatically. You can budget any split you like — 50\/50, 60\/40, proportional to income.\u003c\/p\u003e\n\u003cp\u003eQ: Can I use it for roommates, not just couples?\u003cbr\u003e\nA: Absolutely! Just rename \"Partner A\" and \"Partner B\" to your roommates' names in the Setup tab.\u003c\/p\u003e\n\u003cp\u003eQ: Does this work in my currency?\u003cbr\u003e\nA: Yes — change the currency symbol in Setup and it applies everywhere.\u003c\/p\u003e\n\u003cp\u003eQ: Can I reuse it next year?\u003cbr\u003e\nA: Yes! Clear the data at year-end and start fresh. Buy once, own forever.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚠️ PLEASE NOTE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ DIGITAL DOWNLOAD — no physical product shipped.\u003cbr\u003e\n→ Google Sheets only (free Google account required).\u003cbr\u003e\n→ Listing images show sample data — template is blank.\u003cbr\u003e\n→ Personal use only. Redistribution prohibited.\u003cbr\u003e\n→ For informational purposes only — not financial advice.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eThank you for choosing EasyVault! Managing money as a couple can be stressful — we hope this makes it genuinely enjoyable. If you love it, a ⭐ review means the world to us!\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844840399076,"sku":"EV-Fin-1.3","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8474848056_hlhc.jpg?v=1789203133"},{"product_id":"couples-budget-spreadsheet-joint-63138","title":"Couples Budget Spreadsheet | Joint Finance Tracker, Bill Split (Google Sheets)","description":"\u003cp\u003e💑 Finally — a budget spreadsheet designed specifically for COUPLES and FAMILIES.\u003c\/p\u003e\n\u003cp\u003eManaging money together is one of the biggest challenges in any relationship. This Family \u0026amp; Couples Budget Spreadsheet makes it simple, beautiful, and stress-free. With separate Partner A and Partner B columns in every monthly tab, you can both track your spending independently while seeing the complete household picture — automatically.\u003c\/p\u003e\n\u003cp\u003eBuilt-in bill split tracking, a Contribution Summary tab, and 1,722 auto-calculating formulas mean zero arguments about who paid what. Just enter your numbers — the spreadsheet does everything else. 💚\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 21 TABS INCLUDED\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Instructions Tab — Step-by-step guide with colour legend and pro tips for couples.\u003c\/p\u003e\n\u003cp\u003e⚙️ Setup Tab — Enter Partner A name, Partner B name, year, currency, and customise all 34 categories.\u003c\/p\u003e\n\u003cp\u003e📊 Annual Dashboard — Combined household KPIs (income, expenses, savings rate, net surplus) + Partner A vs Partner B contribution overview + income vs expenses bar chart. Auto-updates monthly.\u003c\/p\u003e\n\u003cp\u003e💑 Contribution Summary — WHO PAID WHAT across all 12 months. See Partner A's share vs Partner B's share as both dollar amounts and percentages. The #1 feature couples ask for.\u003c\/p\u003e\n\u003cp\u003e📋 Year in Review — All 12 months side-by-side in one table. Household income, expenses, savings and net surplus at a glance.\u003c\/p\u003e\n\u003cp\u003e🗓️ Bill Planner — 20-row annual bill calendar with a \"Who Pays\" column (Joint \/ A \/ B). Tick off each month when paid.\u003c\/p\u003e\n\u003cp\u003e💰 Savings Tracker — Track up to 8 joint savings goals with % progress and colour-coded status.\u003c\/p\u003e\n\u003cp\u003e💳 Debt Tracker — Joint AND individual debts. Snowball and Avalanche calculators with a \"Whose?\" column.\u003c\/p\u003e\n\u003cp\u003e📈 Net Worth Tracker — Combined household assets and liabilities with separate line items per partner.\u003c\/p\u003e\n\u003cp\u003e📅 January → December (12 Monthly Tabs) — Each month includes:\u003cbr\u003e\n • Partner A and Partner B columns (colour-coded blue \u0026amp; rose)\u003cbr\u003e\n • Budget vs Total Actual tracking with auto-calculated differences\u003cbr\u003e\n • Income section (5 categories per partner)\u003cbr\u003e\n • Fixed Expenses (10 categories)\u003cbr\u003e\n • Variable Expenses (15 household + personal categories)\u003cbr\u003e\n • Debt Payments (joint + individual)\u003cbr\u003e\n • Savings Goals\u003cbr\u003e\n • Monthly Summary with net surplus and savings rate\u003cbr\u003e\n • 💑 Contribution Split section — who paid what % this month\u003cbr\u003e\n • 40-row Transactions Log with \"Paid By\" column\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n💑 WHAT MAKES THIS DIFFERENT\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ DUAL PARTNER COLUMNS — Partner A and Partner B each have their own column in every section. Colour-coded blue and rose for easy identification.\u003c\/p\u003e\n\u003cp\u003e✅ AUTOMATIC BILL SPLIT — The Contribution Summary tab calculates exactly who paid what percentage of household expenses across all 12 months.\u003c\/p\u003e\n\u003cp\u003e✅ \"WHO PAYS\" TRACKING — The Bill Planner includes a \"Who Pays\" column so you know exactly whose responsibility each bill is.\u003c\/p\u003e\n\u003cp\u003e✅ \"WHOSE?\" DEBT COLUMN — Track which debts are joint, Partner A's, or Partner B's.\u003c\/p\u003e\n\u003cp\u003e✅ COMBINED NET WORTH — Separate line items for each partner's assets and liabilities, automatically summed into one household net worth figure.\u003c\/p\u003e\n\u003cp\u003e✅ 1,722 AUTO-FORMULAS — Nearly double the individual version. Every calculation is done for you.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚡ KEY FEATURES\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ 1,722 auto-calculating formulas — zero manual maths\u003cbr\u003e\n✅ Separate Partner A \u0026amp; Partner B columns (colour-coded)\u003cbr\u003e\n✅ Auto contribution split percentages per month and annually\u003cbr\u003e\n✅ Built-in bill split calculator\u003cbr\u003e\n✅ Fully customisable partner names and categories\u003cbr\u003e\n✅ Works in any currency — change in one cell\u003cbr\u003e\n✅ Reuse every year — buy once, use forever\u003cbr\u003e\n✅ Works on any device — laptop, iPad, phone\u003cbr\u003e\n✅ Sage Green \u0026amp; Ivory colour theme — gender-neutral, calming\u003cbr\u003e\n✅ Requires only a free Google account\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n🎯 WHO IS THIS FOR?\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ Couples combining finances or tracking shared bills\u003cbr\u003e\n→ Married couples managing a household budget\u003cbr\u003e\n→ Engaged couples planning finances before marriage\u003cbr\u003e\n→ Families managing household and kids' expenses\u003cbr\u003e\n→ Roommates splitting rent and utilities\u003cbr\u003e\n→ Long-distance couples keeping finances synced\u003cbr\u003e\n→ Anyone managing money as a team\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📥 HOW TO ACCESS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e1. Complete your Etsy purchase\u003cbr\u003e\n2. Download your PDF from Etsy → Purchases \u0026amp; Reviews\u003cbr\u003e\n3. Click the Google Sheets link in the PDF\u003cbr\u003e\n4. File → Make a Copy (saves to your Google Drive)\u003cbr\u003e\n5. Go to ⚙️ Setup — enter both partner names, year \u0026amp; currency\u003cbr\u003e\n6. Open any monthly tab — Partner A fills column D, Partner B fills column E!\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n❓ FAQ\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eQ: Can both partners edit at the same time?\u003cbr\u003e\nA: Yes! Google Sheets allows real-time collaboration. Both partners can be in the spreadsheet simultaneously.\u003c\/p\u003e\n\u003cp\u003eQ: What if one partner earns more?\u003cbr\u003e\nA: The Contribution Summary shows actual percentages automatically. You can budget any split you like — 50\/50, 60\/40, proportional to income.\u003c\/p\u003e\n\u003cp\u003eQ: Can I use it for roommates, not just couples?\u003cbr\u003e\nA: Absolutely! Just rename \"Partner A\" and \"Partner B\" to your roommates' names in the Setup tab.\u003c\/p\u003e\n\u003cp\u003eQ: Does this work in my currency?\u003cbr\u003e\nA: Yes — change the currency symbol in Setup and it applies everywhere.\u003c\/p\u003e\n\u003cp\u003eQ: Can I reuse it next year?\u003cbr\u003e\nA: Yes! Clear the data at year-end and start fresh. Buy once, own forever.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚠️ PLEASE NOTE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ DIGITAL DOWNLOAD — no physical product shipped.\u003cbr\u003e\n→ Google Sheets only (free Google account required).\u003cbr\u003e\n→ Listing images show sample data — template is blank.\u003cbr\u003e\n→ Personal use only. Redistribution prohibited.\u003cbr\u003e\n→ For informational purposes only — not financial advice.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eThank you for choosing EasyVault! Managing money as a couple can be stressful — we hope this makes it genuinely enjoyable. If you love it, a ⭐ review means the world to us!\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844840530148,"sku":"EV-Fin-1.3","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8522754457_k14y.jpg?v=1789203139"},{"product_id":"credit-card-debt-payoff-tracker-96071","title":"Credit Card Debt Payoff Tracker | Snowball, Avalanche Calculator (Google Sheets, Excel)","description":"\u003cp\u003e💳 Finally know EXACTLY when you'll be debt-free.\u003c\/p\u003e\n\u003cp\u003eThis Credit Card Debt Payoff Tracker takes your messy pile of credit cards and turns them into a clear, step-by-step plan — with your exact debt-free date calculated automatically.\u003cbr\u003e\nNo complicated setup. No formulas to write. Just enter your cards and let the spreadsheet do everything.\u003c\/p\u003e\n\u003cp\u003e📦 WHAT'S INCLUDED — 5 Sheets\u003c\/p\u003e\n\u003cp\u003eSheet 1 — Dashboard\u003cbr\u003e\nThe moment you open the file, you see your total debt, average interest rate, total monthly payment, and your debt-free date for BOTH methods side by side.\u003c\/p\u003e\n\u003cp\u003eSheet 2 — My Debts\u003cbr\u003e\nEnter up to 10 credit cards with balance, APR, minimum payment and optional extra payment. Every total auto-calculates instantly.\u003c\/p\u003e\n\u003cp\u003eSheet 3 — Snowball Calculator\u003cbr\u003e\nYour cards auto-sorted from smallest to largest balance. See the exact payoff order, months per card, and estimated payoff date for each one.\u003c\/p\u003e\n\u003cp\u003eSheet 4 — Avalanche Calculator\u003cbr\u003e\nYour cards auto-sorted from highest to lowest interest rate — the mathematically optimal order that saves the most money in interest.\u003c\/p\u003e\n\u003cp\u003eSheet 5 — Payment Log\u003cbr\u003e\nRecord every payment you make. Watch your balance drop in real time with a running total tracker and 40 rows of payment history.\u003c\/p\u003e\n\u003cp\u003e⚡ HOW IT WORKS\u003cbr\u003e\nDownload both files included in your purchase\u003cbr\u003e\nOpen the EXAMPLE file to see how it looks filled in\u003cbr\u003e\nOpen the BLANK template to enter your own cards\u003cbr\u003e\nUse in Microsoft Excel or upload to Google Drive for Google Sheets (free)\u003cbr\u003e\nLog payments monthly and watch your debt-free date get closer\u003c\/p\u003e\n\u003cp\u003e✅ WORKS WITH\u003cbr\u003e\nGoogle Sheets — upload the file to Google Drive, it converts automatically for free\u003cbr\u003e\nMicrosoft Excel 2016 and above\u003cbr\u003e\nMac and Windows\u003cbr\u003e\nMobile viewing\u003c\/p\u003e\n\u003cp\u003e💡 PERFECT FOR YOU IF:\u003cbr\u003e\nYou have 2–10 credit cards and feel overwhelmed\u003cbr\u003e\nYou want to know your exact debt-free date\u003cbr\u003e\nYou've tried budgeting apps but want something you actually own\u003cbr\u003e\nYou want to compare snowball vs avalanche method side by side\u003cbr\u003e\nYou're serious about becoming debt-free in 2026\u003c\/p\u003e\n\u003cp\u003e🎁 WHAT YOU GET\u003cbr\u003e\n✅ Blank template — ready to fill in\u003cbr\u003e\n✅ Pre-filled example — so you know exactly how it works\u003cbr\u003e\n✅ Both Snowball AND Avalanche methods included\u003cbr\u003e\n✅ Auto-calculated debt-free dates\u003cbr\u003e\n✅ Works in Google Sheets and Excel\u003c\/p\u003e\n\u003cp\u003e📥 INSTANT DOWNLOAD — No waiting. No shipping. Both files delivered immediately after purchase.\u003cbr\u003e\nPersonal use only. Not for resale or redistribution.\u003cbr\u003e\nQuestions? Message me and I'll respond within 24 hours.\u003cbr\u003e\nThat's 100% copy-paste ready.\u003c\/p\u003e\n\u003cp\u003eFiles are delivered as a .zip folder. Simply extract\/unzip to access both Excel files inside. On iPhone tap the zip → it extracts automatically. On Android use Files app.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844852687076,"sku":"EV-SH5","price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8020116825_l0j0.jpg?v=1789203286"},{"product_id":"business-blueprint-quit-9-5-launch-side-60853","title":"Business Blueprint: Quit 9-5, Launch Side Hustle, Build Wealth (PDF)","description":"\u003cp\u003e🚨 STOP SCROLLING — This is the guide you've been looking for.\u003cbr\u003e\nYou already know something isn't right. You're working 40+ hours a week for someone else's dream, living for weekends, and wondering if this is really it.\u003cbr\u003e\nYOUR JOB IS KEEPING YOU POOR is your complete step-by-step 2026 blueprint to quit your 9-5, launch a real business, and build a life you actually designed.\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n✅ WHAT'S INSIDE — 19 Fully Actionable Pages\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n📌 PAGE 1 — COVER \u0026amp; OVERVIEW\u003cbr\u003e\nYour 2026 freedom blueprint at a glance. Everything that's inside and how to use this guide for maximum impact.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 2 — IS THIS YOU? SELF-ASSESSMENT\u003cbr\u003e\n10 specific signs you're ready to escape the 9-5. Score yourself honestly. Includes a results table that tells you exactly what your score means and what to do next.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 3 — THE 4-STAGE ESCAPE FRAMEWORK\u003cbr\u003e\nThe proven sequence used by people who successfully quit without going broke. Includes real statistics from entrepreneurs who made the exit — and a summary of what each stage requires from you.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 4 — MINDSET \u0026amp; PSYCHOLOGY (NEW)\u003cbr\u003e\nThe 5 mental barriers that stop most people before they even start — fear of failure, imposter syndrome, what your family will think, the first slow month, and perfectionism. Each one gets a clear explanation of what's happening in your head and an exact reframe to break through it.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 5 — STAGE 1: BUILD YOUR FINANCIAL RUNWAY\u003cbr\u003e\nA fill-in savings formula so you know exactly how much you need before quitting. Plus 5 specific, actionable methods to build your escape fund fast — including exact monthly savings targets for each method.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 6 — TAX \u0026amp; LEGAL BASICS (NEW)\u003cbr\u003e\nThe one page most business guides skip entirely. Covers sole trader vs LLC, the 3-bucket tax system (so you're never caught off guard at tax time), a full list of deductible business expenses, and an 8-item legal setup checklist to protect everything you build.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 7 — STAGE 2: CHOOSE YOUR BUSINESS\u003cbr\u003e\nA side-by-side comparison of 7 business models ranked by startup cost, time to first $3K\/month, and difficulty level. Plus a 3-step validation process to test your idea with real paying customers before you build anything.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 8 — STAGE 3: LAUNCH WHILE EMPLOYED\u003cbr\u003e\nYour exact weekly side-hustle schedule broken down by day. 4 specific income milestones that tell you precisely when it's safe to hand in your notice. Includes fill-in fields for your target quit date and freedom number.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 9 — STAGE 4: PULL THE TRIGGER\u003cbr\u003e\nAn 18-item quit-day checklist across 3 categories: Financial (6 items), Business (6 items), and The Exit (6 items). Every box you need to tick before your last day at work.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 10 — QUIT-DAY CHECKLIST (CONTINUED)\u003cbr\u003e\nThe final checklist items and a closing note on making your resignation a moment of pride, not panic.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 11 — 5 OUTREACH TEMPLATES (NEW)\u003cbr\u003e\n5 copy-paste scripts that remove the biggest action barrier for new business owners. Includes: warm outreach to former colleagues, cold LinkedIn DM, follow-up message, proposal email with structure, and a testimonial request. Replace the brackets. Send today.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 12 — YOUR FIRST 30 DAYS OF FREEDOM\u003cbr\u003e\nA day-by-day action plan for weeks 1 through 2 after quitting. Every single day has a specific task — from setting up your workspace on Day 1 to sending your first invoice on Day 13. No vague advice. Exact actions only.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 13 — 30 DAYS CONTINUED (WEEKS 3 \u0026amp; 4)\u003cbr\u003e\nMomentum and systems weeks. Covers raising your rates, getting testimonials, building a referral system, creating evergreen content, setting up a CRM, and reviewing Month 1 revenue on Day 30.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 14 — TOP 3 MODELS: YOUR EXACT FIRST STEPS\u003cbr\u003e\nFreelancing, Digital Products, and Consulting — each broken down with specific daily actions from Day 1 to Day 30. Includes what to charge, how to find your first client, how to validate, and how to close.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 15 — TOP 3 MODELS (CONTINUED)\u003cbr\u003e\nDigital Products and Consulting continued — covering Etsy SEO, Pinterest traffic, daily actions, pricing your consulting offer, running diagnostic calls, and closing your first paid client.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 16 — 5 MISTAKES THAT KILL NEW BUSINESSES\u003cbr\u003e\nThe 5 most common reasons first-year businesses fail — with a clear explanation of what happens in each case and a specific, actionable fix for every single one.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 17 — MISTAKES CONTINUED + CLOSING\u003cbr\u003e\nThe final mistakes and a closing message: you now have the framework, the plan, the checklist, the steps, and the scripts. The only thing left is the decision.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 18 — COMPLETE TOOLS STACK (NEW)\u003cbr\u003e\n24 recommended tools across 6 categories — Banking \u0026amp; Finance, Clients \u0026amp; CRM, Marketing \u0026amp; Content, Productivity, Selling Digital Products, and Freelancing Platforms. Each one includes the cost (most are free), what it does, and who it's best for. Build a professional business from Day 1 for $0.\u003c\/p\u003e\n\u003cp\u003e📌 PAGE 19 — INCOME TRACKER WORKSHEET (NEW)\u003cbr\u003e\nA 12-month income log to track every month from your first side income to the day you hit your freedom number. Includes space for 3 income sources per month, a running total, and a monthly reflection section — what worked, what didn't, what to change next month.\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n📥 HOW IT WORKS\u003cbr\u003e\nPurchase and instantly download the PDF\u003cbr\u003e\nPrint it or read it on any device\u003cbr\u003e\nStart with Page 2 — the self-assessment takes 5 minutes and tells you exactly where to focus first\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n📐 PRODUCT DETAILS\u003cbr\u003e\n• Format: PDF — 19 pages, full colour, light theme\u003cbr\u003e\n• Size: US Letter (8.5 × 11 inch)\u003cbr\u003e\n• Delivery: Instant digital download\u003cbr\u003e\n• Works on: Phone, tablet, laptop, or printed\u003cbr\u003e\n• Includes: Fill-in worksheets, outreach scripts, tools list, income tracker\u003cbr\u003e\n• License: Personal use only\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n💡 PERFECT FOR\u003cbr\u003e\n→ Anyone tired of trading time for a fixed salary\u003cbr\u003e\n→ Side hustlers who want a structured, realistic exit plan\u003cbr\u003e\n→ Professionals ready to go independent or freelance\u003cbr\u003e\n→ People with a business idea who need a clear starting point\u003cbr\u003e\n→ Anyone who has Googled \"how to quit my job\" in the last 6 months\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n⚠️ PLEASE NOTE\u003cbr\u003e\nThis is a digital product. Nothing will be shipped. Due to the instant-download nature of digital files, refunds cannot be offered once downloaded. Please review the preview images carefully before purchasing.\u003cbr\u003e\n━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003cbr\u003e\n© 2026 Easyvault. All rights reserved.\u003cbr\u003e\nPersonal use only. Not for resale or redistribution.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844854882532,"sku":"EV-SH1","price":2.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.7911908298_8xen.jpg?v=1789203300"},{"product_id":"annual-budget-spreadsheet-google-sheets-92887","title":"Annual Budget Spreadsheet Google Sheets | Navy Gold Dark Mode Planner (Digital Download)","description":"\u003cp\u003e✨ Take control of your money with the most beautiful budget spreadsheet on Etsy.\u003c\/p\u003e\n\u003cp\u003eThis is the Ultimate Annual Budget Spreadsheet — a complete personal finance system built in Google Sheets, wrapped in a stunning Navy \u0026amp; Gold dark mode design that makes budgeting that is easy on the eyes and perfect for night owls. 🌙\u003c\/p\u003e\n\u003cp\u003eForget juggling multiple apps, messy notes, or boring grey spreadsheets. With 17 fully-designed tabs and over 1,000 auto-calculating formulas, everything is done for you — just enter your numbers and watch the magic happen. 📊\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 17 TABS INCLUDED\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Instructions Tab — Step-by-step guide, colour legend and pro tips to get you started in minutes.\u003c\/p\u003e\n\u003cp\u003e⚙️ Setup Tab — Personalise your name, year, currency and all 34 category names in one place.\u003c\/p\u003e\n\u003cp\u003e📊 Annual Dashboard — Live KPI cards (total income, expenses, savings rate, net surplus) + income vs. expenses bar chart. Updates automatically every month.\u003c\/p\u003e\n\u003cp\u003e📋 Year in Review — All 12 months side-by-side in one table. Instantly see your best savings month, highest expense month and annual totals.\u003c\/p\u003e\n\u003cp\u003e🗓️ Bill Planner — Annual bill calendar with 20 rows. Tick off bills monthly, never miss a payment again.\u003c\/p\u003e\n\u003cp\u003e💰 Savings Tracker — Track up to 8 savings goals or sinking funds. See % progress, amount remaining and colour-coded status for each goal.\u003c\/p\u003e\n\u003cp\u003e💳 Debt Tracker — Snowball and Avalanche payoff calculators side-by-side. Know exactly how long until you're debt-free.\u003c\/p\u003e\n\u003cp\u003e📈 Net Worth Tracker — Track all your assets and liabilities. See your net worth grow over time.\u003c\/p\u003e\n\u003cp\u003e📅 January → December (12 Monthly Tabs) — Each month includes:\u003cbr\u003e\n • Income section (budget vs. actual, 5 sources)\u003cbr\u003e\n • Fixed Expenses (budget vs. actual, 10 categories)\u003cbr\u003e\n • Variable Expenses (budget vs. actual, 15 categories)\u003cbr\u003e\n • Debt Payments section\u003cbr\u003e\n • Savings section\u003cbr\u003e\n • Monthly Summary (net surplus, savings rate, totals)\u003cbr\u003e\n • 40-row Transactions Log\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚡ KEY FEATURES\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ 1,014 auto-calculating formulas — zero manual maths\u003cbr\u003e\n✅ Budget vs. Actual tracking — see exactly where every dollar goes\u003cbr\u003e\n✅ Colour-coded differences (green = under budget, red = over budget)\u003cbr\u003e\n✅ Fully customisable categories — rename everything to fit your life\u003cbr\u003e\n✅ Works in any currency — change it in one cell\u003cbr\u003e\n✅ Reuse every year — buy once, use forever\u003cbr\u003e\n✅ Works on any device — laptop, iPad, phone, desktop\u003cbr\u003e\n✅ Requires only a free Google account\u003cbr\u003e\n✅ Sample data pre-filled so you can see it working immediately\u003cbr\u003e\n✅ Navy \u0026amp; Gold aesthetic — genuinely beautiful design\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n🎁 WHAT YOU RECEIVE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ A PDF with your unique Google Sheets link\u003cbr\u003e\n→ Step-by-step instructions inside the spreadsheet\u003cbr\u003e\n→ All 17 tabs ready to use immediately\u003cbr\u003e\n→ No software to install — Google Sheets is free\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📥 HOW TO ACCESS YOUR TEMPLATE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e1. Complete your Etsy purchase\u003cbr\u003e\n2. Go to Etsy → Purchases \u0026amp; Reviews → Download your PDF\u003cbr\u003e\n3. Click the link in the PDF — it opens Google Sheets\u003cbr\u003e\n4. Click File → Make a Copy (saves it to your Google Drive)\u003cbr\u003e\n5. Go to the ⚙️ Setup tab and enter your name, year \u0026amp; currency\u003cbr\u003e\n6. Open any monthly tab and start budgeting! 🎉\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n❓ FREQUENTLY ASKED QUESTIONS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eQ: Is Google Sheets really free?\u003cbr\u003e\nA: Yes! Google Sheets is 100% free. You just need a Google account (Gmail works perfectly).\u003c\/p\u003e\n\u003cp\u003eQ: Does this work with Excel?\u003cbr\u003e\nA: This template is designed for Google Sheets. You can open it in Excel but some formatting may vary.\u003c\/p\u003e\n\u003cp\u003eQ: Can I use it in my currency (£, €, ₹, ¥, etc.)?\u003cbr\u003e\nA: Absolutely! Just update the currency symbol in the Setup tab — it applies everywhere instantly.\u003c\/p\u003e\n\u003cp\u003eQ: Can I reuse it next year?\u003cbr\u003e\nA: Yes! Clear out the data at year-end and start fresh. You buy once and own it forever.\u003c\/p\u003e\n\u003cp\u003eQ: What if I need help?\u003cbr\u003e\nA: Message us on Etsy! We respond within a few hours and are always happy to help. 💕\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚠️ PLEASE NOTE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ This is a DIGITAL DOWNLOAD — no physical product will be shipped.\u003cbr\u003e\n→ This template is for Google Sheets only (free Google account required).\u003cbr\u003e\n→ Listing images show sample data for demonstration — the template you receive is blank and ready for your own numbers.\u003cbr\u003e\n→ For personal use only. Redistribution or resale is strictly prohibited.\u003cbr\u003e\n→ Colours may appear slightly different across devices due to display settings.\u003cbr\u003e\n→ This spreadsheet is for informational\/organisational purposes only. EasyVault does not provide financial, tax or legal advice.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n💕 THANK YOU\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eThank you so much for visiting EasyVault! We put enormous care into every template. We hope this spreadsheet helps you take control of your finances and feel genuinely excited about budgeting.\u003c\/p\u003e\n\u003cp\u003eIf you love it, we'd be so grateful for a ⭐ review — it helps us more than you know!\u003c\/p\u003e\n\u003cp\u003e📌 Explore the full EasyVault shop for more templates in Finance, ADHD, Business, Wellness, Wedding and more.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844860584164,"sku":"EV-F-1.2","price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8000534492_lx45.jpg?v=1789203358"}],"url":"https:\/\/easyvault.store\/collections\/personal-finance.oembed?page=2","provider":"EasyVault","version":"1.0","type":"link"}