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If you’re ready to get your finances organized but don’t want to mess with complicated apps or subscriptions, this is your starting point. The 2025 Money Manager | Budget Only is a powerful, no-nonsense tool that helps you get a crystal-clear picture of your cash flow, spending habits, savings goals, and overall financial health—all in one place.
Just plug in your numbers, and let the spreadsheet do the thinking.
This tool helps you:
Organize your monthly and annual finances
Track your income, expenses, savings, and investments
Instantly calculate your net worth
Spot leaks in your spending and areas to optimize
Understand the true cost of your lifestyle with clear financial health indicators
Your income and fixed/variable expenses
Account balances and investment amounts
Savings goals by category
Basic tax and household info
Break your numbers into clean monthly and annual summaries
See where your money’s going with categorized spending
Build a balance sheet that updates automatically
Estimate your annual tax liability (federal + MN)
Track your savings and investment goals by purpose
Calculate your:
Budget surplus or deficit
Savings rate
Housing cost as a % of income
Debt-to-income ratio
And other key health checks to know if you’re living within your means
This sheet is built for people who want clarity without complexity. Whether you're getting started with budgeting or just want a better way to track everything in one place, this is your financial foundation.
Perfect for:
Budgeting beginners and spreadsheet lovers alike
Households looking to tighten up their finances and track progress
Anyone who wants to understand their cash flow better - without overcomplicating things
If you’re ready to get your finances organized but don’t want to mess with complicated apps or subscriptions, this is your starting point. The 2025 Money Manager | Budget Only is a powerful, no-nonsense tool that helps you get a crystal-clear picture of your cash flow, spending habits, savings goals, and overall financial health—all in one place.
Just plug in your numbers, and let the spreadsheet do the thinking.
This tool helps you:
Organize your monthly and annual finances
Track your income, expenses, savings, and investments
Instantly calculate your net worth
Spot leaks in your spending and areas to optimize
Understand the true cost of your lifestyle with clear financial health indicators
Your income and fixed/variable expenses
Account balances and investment amounts
Savings goals by category
Basic tax and household info
Break your numbers into clean monthly and annual summaries
See where your money’s going with categorized spending
Build a balance sheet that updates automatically
Estimate your annual tax liability (federal + MN)
Track your savings and investment goals by purpose
Calculate your:
Budget surplus or deficit
Savings rate
Housing cost as a % of income
Debt-to-income ratio
And other key health checks to know if you’re living within your means
This sheet is built for people who want clarity without complexity. Whether you're getting started with budgeting or just want a better way to track everything in one place, this is your financial foundation.
Perfect for:
Budgeting beginners and spreadsheet lovers alike
Households looking to tighten up their finances and track progress
Anyone who wants to understand their cash flow better - without overcomplicating things