Feel more in control of your money
A clear, easy-to-use Excel budget planner that helps you understand where your money is going, plan ahead and build a system you’ll actually want to keep using.
Everything you need, all in one place
See where your money goes
Track your income, expenses and spending in one clear place, so you always understand where you stand.
Plan ahead with confidence
Create a realistic budget, prepare for upcoming expenses and make more intentional financial decisions.
Build a system that lasts
Reuse your planner month after month and create a money routine that feels organized, manageable and sustainable.
EVERYTHING INSIDE YOUR PLANNER
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START HERE
A guided setup page that walks you through the planner step by step, explains how each section works and includes helpful money basics to get you started.
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MONTHLY DASHBOARD
See your income, spending, savings, debt payments and remaining money in one place. Your key totals update automatically as you use the planner.
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SPENDING & BILLS
Log everyday purchases and keep recurring payments organized. Track due dates, payment status and how many days remain before each bill is due.
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EXPENSES
Plan fixed bills and variable spending, then compare your budget against what you actually spent. Clear status indicators help you spot overspending quickly.
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OPTIONAL MODULES
Personalize your budget with dedicated sections for fitness, pets, health and wellness, subscriptions, beauty and grooming, and home expenses. Activate only the categories that fit your life.
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PURPOSE FUNDS
Build and track savings goals for your emergency fund, travel, gifts, investments or anything else you’re working toward. Follow each goal’s balance, contribution and progress.
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DEBT PAYOFF
Track original balances, current balances, minimum payments, interest rates and payoff progress. Use either the avalanche or snowball approach to build your repayment plan.
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MONTHLY HISTORY
Save a snapshot of each month so you can compare your income, spending, savings, debt payments and remaining money over time.
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CHARTS & INSIGHTS
See your complete financial picture through visual breakdowns of spending, savings, purpose funds and debt payoff progress.
Everything your budget needs, in one organized place.
Inside, you’ll find dedicated sections for:
• Setting up your monthly income and budget
• Logging everyday spending and organizing recurring bills
• Personalizing lifestyle costs like fitness, pets, health, subscriptions, beauty and home expenses
• Building purpose funds for savings goals
• Tracking debt balances and payoff progress
And much more!
The formulas are already built in, so your totals, spending status, savings progress and financial summaries update as you enter your numbers.
A few things you may be wondering
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No. This is a digital Excel file, so no physical product will be shipped. You’ll receive access to download the planner after completing your purchase.
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The planner is designed for Microsoft Excel on a desktop or laptop. Its formatting and functionality may not transfer correctly to Google Sheets, Apple Numbers or other spreadsheet programs.
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Not at all. The planner was created to feel clear and approachable, even if you only know the basics. The formulas and calculations are already built in, so you can focus on entering your information.
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Once your payment is complete, you’ll receive immediate access to download your files. Payhip will also send the download information to the email address used during checkout.
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Yes. Keep one clean master copy and create a new copy whenever you want a fresh start. You can return to the same system month after month and year after year.
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If you have trouble downloading or opening your file, reach out through the contact page and I’ll do my best to help you get started.
A little note from Sophie
Hi, I’m Sophie 👋, the person behind Sophie’s Template Studio.
By day, I work in banking, so I spend a lot of time around numbers, budgets and financial decisions. But I also know that understanding money and feeling organized with your own finances are two very different things. Even when you know what you’re supposed to do, it can still feel overwhelming.
I created this shop after building simple financial systems for myself—ways to track spending, plan ahead and feel a little more in control. Eventually, I realized that other people might need the same thing. My goal isn’t to help you become perfect with money. It’s to give you a clear, approachable place to start.
Every template here is tested in my own life first. No fluff. No complicated setups. Just tools that work.
Thanks for stopping by. I hope you open this planner and think: Okay, I can do this.