Everything you need to set up and get the most from your planner. Stuck on something specific? Your optional AI coach can answer questions right inside the sheet, in plain English.
No. Every planner opens with a built-in Setup Guide that walks you through it step by step, and you can reopen it any time. Most people are up and running in a few minutes. If you ever get stuck, the optional AI coach can answer setup questions for you right inside the sheet.
After you buy, you get a link to your Google Sheet. Click "Make a copy" and it saves your own private copy to your Google Drive, yours to keep forever. You only need a free Google account.
No, and that is by design. You enter your numbers yourself, or paste them in, so nothing links to your bank and your data stays private in your own Google account. You get full control without handing over any login details.
Yes. You can backfill earlier months whenever you like. Start with this month so you see results straight away, then add history at your own pace.
Not really. The planner works by calendar month, so just enter each transaction on its real date and it lands in the right month. Your statement cycles do not need to line up.
Yes. You can enter your real income each month rather than a fixed amount, so irregular pay, freelance income or variable hours all work.
The coach is completely optional. Leave it off and you still have the full planner.
It is completely optional. If you switch it on, it reads your figures and answers plain-English questions, gives you a Financial Health Score, and suggests where to adjust. Leave it off and you still have the full planner.
No running cost to us or, in most cases, to you. You bring your own AI key from a provider you choose (OpenAI, Claude, Gemini or Groq), and they all have free tiers. The coach is never required to use the planner.
Things like: "Where do I record an ATM withdrawal?", "I returned something. How do I log the refund so it does not count twice?", "Where should my monthly sinking-fund contribution go?", "My Left to Budget is off by £134. What is causing it?", "How much did I actually spend on takeaways this month?", "Am I on track to hit my savings goal by December?", and "What is my Financial Health Score and how do I improve it?"
Yes. The coach only ever sends figures and first names to the provider you chose, never your full picture, and nothing is ever sent to us.
Seven: Sage, Papaya, Berry, Cool Blue, Cherry, Pink and Midnight. The whole planner restyles to match.
If you chose the all-themes version, yes, switch in one click from the menu, any time. The single-theme version comes in the colour you picked.
Instantly. Right after purchase you get a link to make your own copy of the Google Sheet. No waiting, no posting.
No. One-time purchase, instant download, free updates. No subscription, ever.
Yes. It runs in Google Sheets on your laptop and in the free Google Sheets app on your phone.
A free Google account. That is it.
Yes, free updates to your planner.
Because it is an instant digital download, it is not returnable once you have access, but we stand behind it with a 30-day make-it-right promise. If something is not working, message us and we will fix it. See our Refunds policy for the detail.
In your own Google account. Your planner is your private copy in your Google Drive. We never see your numbers.
No. The planner runs entirely in your Google account. Even with the optional AI coach on, only figures and first names go to the AI provider you chose, never to us.
Yes. There is no bank linking and no login sharing. You stay in full control of your data.
Message us and a real person will help. Or explore the range to find your perfect planner.