The Pocket CFO

The Pocket CFO is a comprehensive budget system - because running your money should feel like running a business. You don't need a finance degree to know exactly where your money is going. You need a system that does the math for you.

This 7-tab workbook template is built to replace five different apps, three sticky notes, and that one random spreadsheet you abandoned in 2025. Everything talks to everything else - log a purchase once, and your entire budget updates itself.

What's inside:

📊 Dashboard - your whole month at a glance: total income, total spent, net savings, savings rate, a spending-by-category breakdown, and two auto-updating charts

🗂️ Monthly Budget - 16 pre-built categories split into fixed, variable, and savings, with budgeted vs. actual tracked automatically

🧾 Transaction Log - log a purchase once and every other tab updates itself. No manual math, ever.

💳 Debt Payoff Tracker - enter your balances and it calculates exactly how many months until you're debt-free, plus estimated interest, with snowball and avalanche picks highlighted for you

✨ Savings Goals - set a target and a date, and it tells you the exact monthly amount to set aside

📈 Net Worth Tracker - a full 12 months, pre-built, with a chart that turns "watching your net worth grow" into something genuinely satisfying

No finance jargon. No cells you're afraid to click. Every formula is already built - you just fill in the pink cells and watch the rest calculate itself. A full color-coded legend walks you through it on the very first tab.

This is a planning tool, not financial advice - for guidance specific to your situation, talk to a licensed financial professional.