A Money Ladder Tool

The Budget Spreadsheet

The exact spreadsheet from Chapter 1. Four tabs, in this order: Coming In, Going Out, The Gap, The System. Plug in your numbers once; everything else calculates itself.

Google Sheets or ExcelFree, no stringsAuto Calculations

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The System
 Target %Target $Actual $Variance
Needs50%$2,250$2,300+$50
Wants30%$1,350$250-$1,100
Goals20%$900$1,950+$1,050
Coming InGoing OutThe GapThe System

What's inside

Four tabs, in the order you'll actually use them. Mirrors Chapter 1 exactly, so the book and the spreadsheet never feel like two different systems.

1
Coming In

Every dollar that hits your account, paycheck, freelance work, side income. Add it up once.

2
Going Out

Your Bill Map. Every expense, tagged Fixed, Variable Need, or Variable Want, so you can see the shape of your spending.

3
The Gap

Coming In minus Going Out. The single number that tells you where you actually stand, no judgment.

4
The System

Your Needs / Wants / Goals breakdown, target vs. actual, calculated automatically from the two tabs before it.

Get your copy.

Drop your email and I'll send you the Budget Spreadsheet, ready to use in Google Sheets or Excel.

No spam. Just the spreadsheet, then the occasional tool as it launches.