A 21-tab annual budgeting system that plans your bills, tracks your debt, and updates itself automatically, right in Google Sheets, in any currency.
Bank app, budget app, notes app, spreadsheet, sticky notes. None of them talk to each other.
By the time you remember, it's a late fee. There's no single calendar showing what's actually due.
You know you owe money. You don't know exactly what to pay each month to actually get out.
Every tab, how it connects, and how little you actually have to type in.
Set up your categories once. Log your bills and spending as you go, and every dashboard, calendar, and total updates automatically from there.
Your categories, currency, and starting numbers.
Plan up to 90 monthly and 50 irregular bills for the year.
Log spending. Totals update automatically.
Every bill's due date, laid out by month.
Your whole year of income and spending at a glance.
A dedicated budget tab for every month.
Planned vs. actual, tracked automatically.
Assets, liabilities, and your target, side by side.
The exact amount due on each debt every month, with your balance after each payment.
The 5 numbers to know before you build any budget, delivered straight to your inbox, plus first access to new templates and launch discounts.
Buy once, get a link to make your own free, editable copy in Google Sheets.
Enter your categories, currency, and current numbers. Takes a few minutes.
Add your bills and spending each month, and your calendar, dashboards, and yearly view update automatically from there.
| Blank Google Sheet | Budgeting app (e.g. YNAB, $14.99/mo) |
Clarity Budget Planner | |
|---|---|---|---|
| Cost | Free | ~$180/year | $29.99 once, forever |
| Setup time | Hours of building formulas | ~30-45 min onboarding | ~10 minutes |
| Formulas pre-built | No | Yes | Yes, 21 tabs, all connected |
| Debt payoff planner | No | Add-on / limited | Yes, built in |
| Any currency | Manual setup | Limited by region | Yes |
| Ongoing subscription | No | Yes, monthly | No, one-time payment. Free Google account is all you need |
You have income, but no idea where it goes. You're not broke. You just can't answer "how much did I actually spend on food last month?" without digging through three apps.
You're paying off debt and want a real plan. Not a vague plan to pay more than the minimum. An actual month-by-month number for each debt.
You've tried apps and they didn't stick. You want something that works the way you already think: rows, columns, your own copy of it, no subscription to cancel.
If it's not the right fit, email us within 14 days of purchase for a full refund, no questions asked. You're not taking a chance on this. We are.
"I built this because I was tired of choosing between a budget app that didn't fit my life, or a spreadsheet that broke the moment I touched a formula. Every tab in here is something I actually use myself, every month."Founder, Clarity Budget