The Simple Budget: the web app's October 2026 page on laptop, tablet and phone – income +$3,000.00, net expenses −$1,462.50

Budget Spreadsheet – a simple monthly income and expense tracker

Record income and expenses and see your month and your year on one sheet.

Web app + Sheets
US · International · German

€4.99 for buyers in Germany, incl. 19% VATOne-time purchase · instant download

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Buy on Etsy – €4.99

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After payment, download your files in a web browser – Etsy → You → Purchases and reviews → Download files, or the link in Etsy's order email if you checked out as a guest. The Etsy app can't download files.

Track income, expenses, refunds and transfers
Monthly dashboard, category donut, all 12 months
Offline web app plus one-tab Google Sheets
START HERE guide in English and German

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In short

A budget spreadsheet without the complicated parts

Budget Spreadsheet is a one-time download: an offline web app (no account needed) plus a separate Google Sheets™ template (free Google account) for recording income and expenses and seeing your month and year at a glance. No subscription.

Most budget templates ask you to learn a method first. This one only asks what came in and what went out. Pick a category, and the page shows your income, your net expenses and the difference for the month, where the money went by category, and all 12 months side by side. In Google Sheets everything sits on one tab; in the offline web app, on one page.

Every number comes from what you type in. Nothing is connected to your bank, nothing is imported and nothing is booked for you. The monthly difference is simple arithmetic on your entries – it is not a bank balance. If you would rather plan future bills and paydays, the Paycheck Budget Planner is the better fit.

An organizing tool – not financial, tax or legal advice.

The 15-second tour

See it move

What the video shows

The web app's monthly page on a laptop. Labels appear one by one: Single Sheet, Monthly Dashboard, Income + Expenses, Spending Guide and 12-Month View. A small card shows how the October difference is worked out: income $3,000.00, minus $1,502.50 spent, plus $40.00 in refunds, equals +$1,537.50. Then the entry form, spending by category and all 12 months. It ends with: offline web app + Google Sheets, three editions (US, International, Deutsch), separate files, no syncing.

The video has no sound. · 15 s

Feature images

See it in action

One sheet in Google SheetsSettings, dashboard, charts and your entries on a single tab – no hidden extra sheets.
Your month at a glanceIncome, net expenses and the monthly difference, calculated from your own entries.
Add it, see your monthType in a transaction and the totals update in the version you're using.
Track income and expensesFour entry types – expense, income, refund and transfer – and how you paid: card, bank or cash.
Spending by categoryA donut chart before refunds, with each category's refunds listed beside it.
All 12 monthsIncome and net expenses for every month side by side; empty months stay at zero.
Refunds and transfersRefunds lower spending, even for last month's purchase. Moving money to savings or withdrawing cash is a transfer, not an expense.
Optional spending guideOne monthly amount for all spending, shown as a ring. Leave it empty if you only want to track.
Reuse fixed entriesSave up to six fixed entries and tick the ones you really paid – nothing is booked automatically.
Offline app, local dataWeb-app entries stay in this browser on this device, with a backup file to download. Google Sheets stays in your Google account.
Three editionsUS, International and German – each with its own date format, currency and language.
What you receiveThe offline web app in three editions, Google Sheets files (blank and sample) and the START HERE guide.

Inside the app

Real screenshots, sample data.

The monthly pageTotals, the entry form, the category donut and the month's entries on one page.
Record a transferMoving money to savings or withdrawing cash never counts as income or spending.
Change an entryA partial refund, linked to the original purchase.
Add fixed entriesTick what you actually paid this month – nothing is added on its own.
Set the spending guideOne optional monthly amount for all spending.
International editionThe same page in the International edition, with pounds and DD/MM dates.

What's included

Offline Web App
A single HTML file that opens in your browser, without an account or subscription
Google Sheets Templates
One single tab, blank and with sample data, for 3 regions
Regional Editions
US, International (UK, IE, AU, NZ, CA) and German (DE, AT, CH)
START HERE Guide
Setup instructions in English and German (PDF)

What it does

Enter it once

Four simple entry types: expense, income, refund and transfer
Ten expense and three income categories to start – add up to seven of your own, no sub-categories
Cash purchases count too; a cash withdrawal or a move to savings is a transfer, never spending
Refunds lower spending in their category – even for a purchase from last month
Edit, copy or delete any entry, with undo right after

Your month at a glance

Income, net expenses (spent minus refunds) and the monthly difference
Spending by category as a donut, before refunds, with refunds listed beside it
An optional spending guide: one monthly amount and a ring that shows how much of it you've used
Compared with last month – shown only when both months have entries, and worded neutrally

All 12 months

Income and net expenses for every month side by side – empty months stay at zero
Year totals and averages per active month
Click a month in the chart to open it

Reuse fixed entries

Save up to six fixed entries such as rent, utilities or your pay
Add from Template shows a preview first – the same entry is never added twice in a month, and nothing is booked before its day
Nothing is booked automatically

In the web app

A guided setup and a demo month to explore first – your own budget stays separate
CSV export, three color themes and a backup file with a SHA-256 check value to move your entries to another device

Web app or Google Sheets?

Two separate files – pick the one that fits how you like to work. They don't sync.

Topic	Offline web app	Google Sheets
Where your data lives	In your browser, on this device	In your own copy in Google Drive
Account	Not needed	A free Google account
Works offline	Yes, once the file is open in your browser	Usually needs an internet connection
Layout	One page, plus Settings & Help	One single tab; entries start at row 86, room for 3,000 entries
Fixed entries	Added from a template, with a preview	Copied by hand into the entries table
Refunds	Linked to the original purchase	Entered as a refund in the same category
Undo & backup	Undo after edits; backup file with a check value	Google's version history
Charts	Category donut, spending ring, 12-month chart	Category donut, spending ring, 12-month chart

They don't sync.

How it works

Buy on Etsy
Check out on Etsy, then download your files in a web browser – not in the Etsy app.
Open START HERE
The guide shows which web app file to open and has your Google Sheets copy links and the link for iPhone and iPad.
Start planning
Open the web app in your browser, or make your own copy of the Google Sheets template, and add your first entry.

More about how it works

Is it right for you?

A good fit if you …

want one simple record of what came in and what went out
like to see your month and your year without building anything
pay partly in cash and want that counted too
prefer to type entries yourself instead of connecting a bank

Maybe not the right fit if you …

want to plan future bills and paydays – this is a record of what already happened, so future dates can't be entered. Paycheck Budget Planner →
want to split your income into needs, wants and savings. 50/30/20 Budget Planner →
want an overview of recurring bills and subscriptions. Bills & Subscriptions Organizer →
need bank imports, syncing between devices or reminders – this tool has none of them.

Budget Spreadsheet

€4.99 for buyers in Germany, incl. 19% VATEtsy shows the final amount in your currency at checkout.

Buy on Etsy – €4.99

One-time purchase · instant download · offline web app + Google Sheets

What you need

Device	Web app	Google Sheets
Windows or Mac computer	Open the HTML file in Chrome, Edge, Firefox or Safari	In your browser
Android phone or tablet	Open the file from Downloads with Chrome	Google Sheets app or browser
iPhone & iPad	Open the web-app link from your START HERE guide in Safari and add it to your Home Screen – checked on an iPhone in October 2026	Google Sheets app or browser

Editions

Edition	Format
US	10/10/2026, USD
International	UK, Ireland, Australia, New Zealand, Canada – 10/10/2026 (DD/MM), GBP/EUR/AUD/CAD/NZD
German	Germany, Austria, Switzerland – 10.10.2026, EUR/CHF, German labels

Good to know

Important: This is a digital budgeting and expense-tracking tool for personal use, not financial or tax advice. The offline web app stores data locally in your browser. Browser data may be lost if it is cleared, so please download regular JSON backups. The Google Sheets version is a separate file stored in your Google account. The two versions do not sync. There is no bank connection, automatic transaction import, payment processing, or push notification service. All figures are calculated from the entries you provide. The displayed monthly difference is not a verified bank balance or a guarantee of money available to spend. Google Sheets requires a Google account. No physical item will be shipped.
For personal use only – sharing, forwarding or reselling the files is not allowed

Questions about the Budget Spreadsheet

Does it connect to my bank?

No. There's no bank connection and no import. You type in what you want to track – paid by card, bank or cash.

Do I need an account?

The web app needs no account – you open the file in your browser. The Google Sheets version needs a free Google account. Either way, there is no stillmeasure. account and no subscription.

Where are my entries saved – and do the two versions sync?

In the web app, entries are saved in your browser on that device, not inside the HTML file. Always open the same file in the same browser, and download a backup now and then. In Google Sheets, they are in your own copy in Google Drive. The two versions don't sync.

Does it work on my iPhone?

iPhone & iPad: open the web-app link from your START HERE guide in Safari and add it to your Home Screen. It was checked on an iPhone in October 2026. A downloaded HTML file on its own only opens as a preview on iPhone and iPad.

Why can't I enter a future date?

It's a record of what really happened, so you add a payment on the day it happens. If you want to plan ahead by payday, the Paycheck Budget Planner is made for that.

I withdrew cash. Is that spending?

No. A withdrawal is a transfer (Bank → Cash), and so is moving money to savings. What you then buy with the cash is an expense paid with cash.

What's the spending guide?

One optional monthly amount you choose. The ring shows how much of it you've used. It's a guide for you, not a rule or a recommendation – leave it empty if you only want to track.

Can I use it in Excel?

It isn't supported. The spreadsheet is built and tested for Google Sheets.