One number instead of a spreadsheet. A deliberately small budget workbook for people who have already abandoned three real ones.
One-time payment · instant download · Excel, Google Sheets or Numbers · no subscription, no account
Buy the workbook — $14.99Secure checkout by Creem · Visa, Mastercard, Amex · instant download link by email · or try the free web app first.
Four yellow cells in, one large green number out: what is safe to spend today. Everything else calculates itself.
Date, three words, amount. Each row recalculates your daily number automatically. 200 rows ready.
Two minutes on the 1st: what worked, what changes. The only review in the system.
Why one number beats twelve categories, and why a negative number is information, not a verdict.
A one-page setup that assumes you have stopped before and does not make you feel bad about it.
The free web app runs the exact same maths — income, committed costs and savings goal in, safe-to-spend out. No sign-up.
Open the free Safe to Spend app →A single .xlsx workbook with five sheets. It opens in Microsoft Excel, Google Sheets and Apple Numbers. Formulas are plain and readable — you can see exactly how every number is produced.
No. No macros, no VBA, no add-ins. Plain formulas only.
Yes — Google Sheets and Excel mobile both work, though entering the log is faster on a desktop.
Email within 30 days and you get a full refund. See the refund policy.
No. It is a planning and education tool. It does not know your circumstances and it does not replace a qualified adviser.