Which Template Do I Need?

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1. What do you want help with most? A simple monthly budget I make a budget but keep going over it Paying off debt Saving ahead for a big or yearly cost Tracking money for a side hustle or small business I get paid every two weeks and some months have an extra paycheck I have medical bills I can't pay all at once My electric bill is different every month I'm not sure my side hustle is worth my time Starting a side hustle from scratch A simple website for a local business

2. How does money come in? A regular paycheck It changes month to month (gig, freelance, commission) From my own business or clients

3. Anything big coming up? A wedding or big party Moving to a new place A new baby A new pet Holidays or travel A new year and a fresh budget Starting my first job Starting or in college A tax refund on the way Buying a car A vacation or trip A raise or a new higher-paying job Saving to move out of my parents' place I just lost my job Saving for a house down payment A new phone or laptop Nothing big right now

4. What's the biggest headache? Bills or subscriptions sneak up on me Groceries cost more than I planned Hosting a holiday dinner on a grocery budget Takeout and delivery eat my budget I'm saving for a few things at once and it never adds up I can never seem to save anything Buying lunch at work adds up Feeding a family costs more every month I go over budget every time I shop I never know what to make for dinner I want to cook once and eat all week I throw out a lot of food My cabinets are empty so I end up ordering out Medical or dental bills Car repairs and other surprise costs Birthdays, weddings and gifts catch me off guard My monthly bills keep creeping up I'm behind on bills I got hit with a late fee Autopay keeps overdrawing my account Bills always wait on my next paycheck I get paid twice a month and the rent check is always tight I'm living paycheck to paycheck Several debts and no idea when they'll be paid off Student loans that barely go down A personal loan I want to pay off early A car loan I want to pay off early My credit card balance barely moves and I don't understand the statement I just paid off a debt and don't know what to do next Money is tight and debt payments barely fit I have balances on several credit cards I never know which bills are due which week Clients pay me late New clients might not pay for work I've already started Not sure what to charge clients I want to raise my rates with current clients I bill by the hour and lose track of my time My invoices are a mess and hard to match to payments I need to send a client a price before I start I just landed a new freelance client Not sure what my invoices should say Not sure whether to ask for net 15, net 30 or payment on receipt A pile of business receipts and no system Local customers can't find my business online My website still has a free host address, not my own domain My website is almost ready but I'm not sure it's ready to share I don't know what to write on my business website My business has hardly any online reviews I don't know what photos to put on my business website I need to post holiday hours everywhere My website is live but I can't find it on Google My bookkeeping never matches my bank balance I want to know if my business actually made money last month I don't know how much to pay myself from my business I need to get my business books ready for tax time Customers who won't call can't reach me from my website I take cash and cards and my books never match My budget comes out negative every month My pay changes because of overtime or tips I don't know what categories to put in my budget I don't know where my money goes

5. Do you sell anything? Handmade or Etsy items Resale (thrift, flips, marketplace) Services or freelance work No

6. Any of these apply? I rent out a property I drive for work or a side gig I split bills with a roommate or partner None of these

7. Where are you starting from? Brand new to budgeting I have a system and want to improve it I want the big picture (net worth)

Pick an answer above to see your matches. Or browse all templates and the comparison table below.

Compare templates

Template	What it does	Price	Format	Get it
Paycheck Budget Planner	Plan each paycheck in Excel or Google Sheets. Bills, savings, and spending in one sheet.	$7	Excel + Google Sheets	Gumroad
Debt Snowball & Avalanche Planner	Enter your debts and see a month-by-month payoff schedule under both methods.	$5	Excel + Google Sheets	Gumroad
Small Business Bookkeeping Tracker	Log income and expenses, track deductions, and see monthly totals.	$12	Excel + Google Sheets	Gumroad
Local Business Website Template	A one-page HTML/CSS site with 3 color themes. Host it free on GitHub Pages or Cloudflare Pages.	$12	HTML/CSS files	Gumroad
Sinking Funds & Savings Goals Tracker	Set targets and dates for each fund. See how much to save per month and per paycheck.	$5	Excel + Google Sheets	Gumroad
Monthly Bill Tracker	List every bill once, check them off as paid each month, and see what is due next.	$5	Excel + Google Sheets	Gumroad
Freelancer Invoice + Client Tracker	A printable invoice plus a client and payment tracker. Due dates and paid/overdue status update on their own.	$9	Excel + Google Sheets	Gumroad
Free Starter Budget Sheet	A free, simple monthly budget: planned vs. actual income and spending, what's left, and a chart by category. No apps or sign-ups.	Free	Excel + Google Sheets	Gumroad
Meal Plan + Grocery Budget	Plan four weeks of meals, build a grocery list by store section, and compare spending to your grocery budget.	$5	Excel + Google Sheets	Gumroad
Side Hustle Income & Expense Tracker	Log income, fees, expenses and business miles for up to 8 side hustles. See profit by month and stream, plus a tax set-aside estimate at a…	$7	Excel + Google Sheets	Gumroad
Wedding & Event Budget Planner	Plan the budget, track vendor deposits and due dates, and keep the guest list and RSVPs in one sheet.	$7	Excel + Google Sheets	Gumroad
Money Starter Bundle	Paycheck budget, debt payoff, savings goals and bill tracker spreadsheets together, $15 instead of $22.	$15	Excel + Google Sheets	Gumroad
Rental Property Income & Expense Tracker	Log rent and expenses per property, see monthly cash flow, and keep lease dates in view.	$12	Excel + Google Sheets	Gumroad
Reseller Inventory & Profit Tracker	Log what you buy and sell, include fees and shipping, and see real profit per item and per month.	$9	Excel + Google Sheets	Gumroad
Net Worth Tracker	List what you own and owe, update monthly, and watch the trend on a simple dashboard.	$5	Excel + Google Sheets	Gumroad
Product Pricing Calculator	Add materials, time and fees, set your margin, and get a price that actually pays you.	$7	Excel + Google Sheets	Gumroad
Car Expense & Mileage Log	Log business trips and car costs, with monthly and yearly totals for gig and freelance work.	$5	Excel + Google Sheets	Gumroad
Free One-Page Business Website (Lite)	A free one-page HTML/CSS site for a local business, with 3 color themes. Upgrade to the full template for About, Reviews and Hours sections.	Free	HTML/CSS files	Gumroad

Only templates available now are listed. Prices in USD; sold and delivered through Gumroad.

Not sure still? Start with a free guide from the guides list. Templates are sold and delivered through Gumroad; 2027 printables through Payhip. Suggestions are a simple match on your answers, not financial advice.