Stop Guessing Where Your Money Went
The all-in-one Google Spreadsheet that tracks your spending, grows your net worth, and tells you exactly when you can retire
This is for you if…
You're tired of checking your bank account and not knowing where your money went (hint: you spent it 😅)
You've been meaning to "get your finances together" for months or even years
You earn a decent income but feel like you have nothing to show for it at the end of the month
You've tried budgeting apps but they were too hands off
You want to build wealth and retire early but have no idea where to even start
You open your bank app on the 25th and there's $47 left. It feels like someone hacked your account because where is your money.
Why the other ways didn’t work
Using budgeting apps: They require a monthly or yearly fee. Plus it’s another app which means even more notifications. Are you really going to check it.
The vibe approach: You don’t check your accounts. You feel like you haven’t spent that much this week so you should have enough.
Having a financial advisor: They can be expensive plus they might not be built for someone starting from scratch.
It's not that you're bad with money. You just need a simple system that shows you the full picture.
What If One Spreadsheet Could Show You Your Present AND Future All At Once?
A One-Entry System
📊 Track Every Dollar: Log every transaction, assign it to a category, see exactly where your money went this month vs. what you planned
📈 Know Your Net Worth: Stop guessing. See your total assets minus total liabilities, updated monthly, so you can watch it grow
🔥 Calculate Your Path to FIRE: Enter your numbers. The planner tells you exactly how much you need to invest and when you can retire.
What’s Included
12 monthly transaction tracking tabs (Jan–Dec): log every variable expense
Visual calendar view: see your spending day by day
Fixed expenses master setup: set it once, auto-flows to every month
Budget vs. Actual summary by category: know exactly where you're over/under
Planned vs. Unplanned spend tracking: identify your money leaks
Net Worth Tracker: monthly snapshot of all assets and liabilities
FIRE Calculator: enter your age, retirement goal, and savings rate then learn what age you can retire
Investable assets tracker: see if you're on track to retire
"I've tried spreadsheets and they didn't work for me."
This isn't a blank spreadsheet. Everything is built and ready to go. You just open it and start logging. The system does the calculating, you just show up.
"I'm not good with numbers or tech."
If you can type a number into a cell, you can use this planner. No formulas. No setup. The video walkthrough bonus holds your hand through every step.
"I don't make enough money to budget."
Budgeting isn't about how much you make. Budgeting is about knowing where it goes. Everyone needs a budget, no matter how much they make.
"It's only $17, so it can't be that good."
I priced it at $17 because I wanted anyone who needed this to be able to get it. That doesn't make it less valuable.
"Why not just use an app?"
You mean the app that charges you every year or even every month? This planner costs $17. Buy it once and it’s yours forever.
Still Have Questions?
What format does the planner come in?
It's a Google Spreadsheet. You'll receive a link to make your own copy and it's yours forever. Works on desktop and mobile.
Do I need Google Sheets experience?
Nope. If you can open a link and type numbers, you can use this.
Does this work if I have an irregular income?
Yes. You can customize income entries monthly. The categories and budget columns are fully flexible.
What if I need help after I buy?
Email info@lifeandnumbers.com and I'll help you out.
I built this because I needed it myself. Since 2017, I’ve always had a budget for every paycheck. But a budget wasn’t enough. I needed to know where every dollar went and if I actually stayed on budget. This spreadsheet solves that problem.
As a bonus, I’m also now able to have a holistic view of my money. I’m able to see my net worth, how much I have in investments and when I can actually retire.