Budget every dollar, and the trackers that keep it honest
A monthly budget planner with envelopes, a fast expense tracker, a subscription tracker, sinking funds, a snowball-vs-avalanche debt planner, a 52-week savings challenge and printable budget pages — all free, all private, all offline.
- free tools
- 7
- free tools
- accounts or bank links
- 0
- accounts or bank links
- in your browser
- 100%
- in your browser
Plan
Give every dollar a job — envelope budgets and challenges that stick.
Track
Where the money actually goes — expenses, subscriptions, sinking funds.
Debt
A dated, numbered path out — snowball vs avalanche on your real debts.
Paper-first versions of the tools — free PDFs, A4 or US Letter.
A budget that sticks, in three steps
Give every dollar a job
Set your income, fill the envelopes, and stop when the left-to-allocate number hits zero.
Log what really happens
Track expenses, subscriptions and sinking funds as they move — the bars show the truth within days.
See the path out
Snowball vs avalanche on your real debts, a dated plan, and printable pages that survive the fridge door.
Every tool runs locally in your browser — no accounts, no bank linking, nothing uploaded.
A planning aid, not financial advice.