Finally, a planner that coaches you.
Beautifully built planners that live in Google Sheets.
A static template just sits there. This one helps you get ahead.
A static template just sits there.
This one helps you get ahead.
Most people start a planner with the same goal, to clear debt or grow their savings. A spreadsheet alone won't get you there. These planners read your numbers, tell you exactly what to do next, and make it feel effortless.
An AI coach, not just cells
It studies what you log and writes back in plain English, where you stand, what's working, and the single best move to make next. Real guidance means better results, faster.
Take control of your money
Pay down debt, build savings and watch your Health Score climb. You stop guessing and start seeing the line move in the right direction, week after week.
Seven themes for every mood
Planning shouldn't feel like a chore. Switch the whole look in a tap, calm sage one day, bold cherry the next, so the planner you actually want to open is always a click away.
Up and running in minutes
No new app, no account to create. It runs in Google Sheets on your laptop, tablet or phone, software you already trust. Click, copy, and you're planning the same day.
This is not a spreadsheet.
It's your financial co-pilot.
The All-in-One Budget Planner, 30 tabs, an AI coach with a Financial Health Score, and seven complete looks in one file. Pick a theme. Watch it change its mind.
All seven themes ship in one file, switch inside the planner, any time, in one click.
Not sure yet? Start free.
Get our free budget planner for Google Sheets, no card needed. Income, bills, spending and sinking funds in one automated dashboard.
Get the free planner
The big money questions, answered.
"When will I be debt free?" "Pay off debt or save more?" "How big should my emergency fund be?" Tap a built-in question and the coach answers from your real data, with a Financial Health Score that climbs as your money improves.
Works with four AI providers using your own key, free tiers available. Insights are educational guidance, not regulated financial advice.
Use the avalanche method, put every spare pound on the HSBC card first. At 32% APR it's your most expensive debt, so clearing it saves the most interest. Then roll that payment onto the Revolut card, and work down the list.
On your current plan your £27,100 clears in about 24 months, at roughly £1,129 a month. Find an extra £100 a month and you'd be debt-free nearly three months sooner.
Clear the 32% APR card first. It's costing you more in interest than any savings account could earn right now, so a pound against it beats a pound saved. Keep a small buffer, then go hard on the debt.
Three to six months of essential spending is the usual target, on your numbers, roughly £3,400 to £6,900 in easy-access savings. Enough to cover a job gap or a surprise bill without reaching for the 32% card again.
The 32% APR balance. While it's open it quietly drains over £700 a year in interest and holds your Health Score down, clearing it is the single move that improves your position the most.
Never get stuck. The guide lives in the planner.
Most planners hand you a PDF and a pile of videos. Ours has a friendly, step-by-step guide built right into the sheet, open it whenever you need it, and tap Show me where to jump straight to the cell you're looking for.
- Always there. Reopen it any time from the menu, it travels inside your own copy.
- Interactive. "Show me where" takes you to the exact cell and highlights it.
- No homework. No PDFs to lose, no hour-long videos to sit through.
Built into every planner and tracker.
Not sure where to start?
We'll guide you to it.
Nine planners, one built for exactly what you're trying to fix. Answer two quick questions and we'll point you straight to it.
Step 1 of 2, what's your №1 money goal right now?
Step 2 of 2, how much do you want it to do?
Or take the shelf for a spin.
From checkout to coached in four steps.
Buy & download
Your link arrives instantly after checkout.
Make your copy
One click saves the planner to your own Google Drive.
Set up in minutes
Our Getting Started guide walks you through everything, including the AI coach.
Plan with your coach
Log your first week and generate your first insights.
30-day make-it-right guarantee
If it's not right for you, tell us within 30 days and we'll make it right.
Your data stays yours
Your planner lives in your own Google account. The AI coach works through a provider you choose, and only ever sends figures and first names, never the full picture, and never to us.
Instant delivery
Your download link is in your inbox the moment you order.
Before you ask,
What exactly do I get when I buy?+
An instant download link to your own copy of the planner, a Google Sheets file you save to your Google Drive. It's yours permanently, including any updates to that edition.
Do I need anything special to use it?+
Just a free Google account. The planner works in Google Sheets on any device, no extra software, no subscriptions.
Do I need to be good with spreadsheets?+
Not at all. Every planner has a step-by-step Setup Guide built into the sheet, open it any time, and tap “Show me where” to jump straight to the cell you need. It holds your hand through setup, so no spreadsheet experience is required.
Do you do Excel versions?+
Not at the moment, everything's built for Google Sheets, because that's what makes the AI coach possible (it runs on Google Apps Script, which Excel can't match). If there's enough demand we'd look at non-AI Excel versions down the line, so if that's what you'd want, do let us know, it helps us decide what to build next.
How does the AI coach work, and is my data private?+
The coach runs inside your own copy of the planner, using your own key for the AI provider you choose (four to pick from, free tiers available, setup takes a few minutes with our step-by-step guide). Only figures and first names are ever sent to that provider to generate your insights, never your full data, and never to us.
What exactly does the AI coach send to the provider?+
Only the numbers from your planner and first names, and only when you click to generate a report. No surnames, no account numbers, no logins, no email addresses. It goes straight to the AI provider you picked (OpenAI, Claude, Gemini or Groq) over a secure connection, purely to write your insights. Nothing passes through us, and nothing is stored on our side.
Do I have to pay for an AI licence?+
No. There's no AI subscription to us and no licence to buy. The coach runs on your own provider key, and several, like Google Gemini and Groq, offer free tiers that are more than enough. Prefer a paid tier? You'd pay the provider directly for what you use, but it's entirely optional.
What if it's not right for me?+
Tell us within 30 days and we'll make it right. We'd rather you plan happily than keep your money unhappily.
Ready when you are.
Download it now, log your first week, and meet your coach tonight.
Get the planner for £14.99