Budget Planner Google Sheets Web App

MONEY GARDEN BUDGET PLANNER: A CALM, BEAUTIFUL BUDGET PLANNER + ALL-IN-ONE LIFE PLANNER WEB APP

Plan every paycheck, see every bill on one calendar, and watch your savings grow from a seed into full bloom. Choose zero-based, 50/30/20 or simple budgeting, find your debt-free date with the snowball or avalanche method, and track your net worth month by month.

It opens like an app on your phone, tablet and computer, and everything saves to your own Google Sheet, so it's private, synced everywhere and yours to keep. No bank login. No subscription, ever.

Hand-painted watercolor coin jars, potted plants and peach roses, soft sage and gold colors, and four themes, including a dark Evergreen Evening.

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🌱 BUDGET + BILLS
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✿ MONEY HOME: left to spend this month, plus income, bills, spending, savings and debt paid at a glance, bills due soon, your 50/30/20 split, savings, debt-free date and net worth
✿ MONTHLY BUDGET: plan each category and watch spent and left update as you log. Pick zero-based (give every dollar a job), 50/30/20 (needs, wants, savings) or simple, and switch anytime
✿ YOUR OWN CATEGORIES: rename, add or regroup them as needs, wants or savings
✿ PAYCHECK PLAN: weekly, every 2 weeks, twice a month or monthly. Each paycheck shows the bills due before your next payday, what you set aside and what's left to spend, even per day
✿ PAYCHECKS FILL IN YOUR INCOME automatically each month
✿ SPENDING LOG: add a purchase in seconds from any page, even on your phone
✿ BILLS + SUBSCRIPTIONS: add a bill once and it repeats weekly, every 2 weeks, monthly, quarterly or yearly
✿ BILL CALENDAR: tap to mark paid. Autopay bills check themselves on their due date, and late bills turn red
✿ SUBSCRIPTION TOTAL: see what your subscriptions cost per year

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🌱 SAVE + PAY OFF DEBT
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✿ SAVINGS GARDEN: each savings goal is a little pot that grows from seed to sprout to full bloom as you add money
✿ SINKING FUNDS for planned costs like Christmas, car repairs and back to school, with the monthly amount to stay on track
✿ NO-SPEND CHALLENGE: tap each day you spend nothing beyond your bills and a flower blooms on the calendar
✿ DEBT PAYOFF: snowball (smallest balance first) or avalanche (highest interest first), your debt-free date, total interest, payoff order and a balance chart
✿ EXTRA PAYMENT: see how much sooner you're debt-free with a little more each month
✿ LOG PAYMENTS and watch each balance go down
✿ NET WORTH: assets and liabilities with a 12-month chart. Debts from Debt Payoff are included automatically

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✿ PLUS A COMPLETE LIFE PLANNER
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✿ TODAY: money today, bills this week, focus and top three, tasks (overdue ones roll forward), schedule, habits, water and mood
✿ DAILY PAGES: hourly schedule, mood, energy, water, sleep, meals and a gratitude line
✿ WEEKLY PLAN: intentions, focus pillars, a seven-day view, money this week and habit progress
✿ CALENDAR + TASKS with categories, priorities and due dates
✿ GOALS with milestones and progress bars
✿ HABIT GARDEN: each habit grows into a flower as you keep it up, with a monthly tracker and streaks
✿ WELLNESS: 30-day charts for mood, sleep, water and movement
✿ NOTEBOOK and MEMORY CANVAS with photos and painted stickers
✿ YEAR IN REVIEW: saved this year, tasks done, mood by month and highlights
✿ PLANNER STUDIO: 4 color themes (Money Garden, Golden Honey, Blush Bloom, Evergreen Evening), accent colors, font pairs, paper and covers

Plus Quick Add from any page, search across everything, sample entries to explore and a one-click backup.

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✿ EASY TO START
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✓ A short welcome asks how often you're paid and your take-home pay
✓ A four-step "Start your money garden" checklist walks you through the rest
✓ Add your usual bills in one go: type the amounts for the ones you have
✓ Or load sample entries to explore every page first, then clear them with one click

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✿ WHY A WEB APP BUDGET PLANNER
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✓ A paper or PDF budget can't add up your bills, roll paychecks into your budget or work out your debt-free date. This one does the math for you
✓ Budgeting apps often charge monthly and ask for your bank login. This one doesn't, and it's yours to keep
✓ A budget planner AND a full life planner in one place
✓ Works on iPhone, iPad, Android, Mac, Windows and Chromebook
✓ Saves as you type and syncs across all your devices
✓ Your information stays in your own Google account. Nothing is sent to us or any outside app
✓ Undated, so start any month of the year
✓ Illustrated setup guide, and real help from us if you get stuck

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✿ WHAT YOU'LL RECEIVE
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This is an instant digital download with 2 PDFs:
1. How to Access PDF with your link to copy the planner into your Google Drive
2. Illustrated Setup Guide (8 pages) that shows every screen

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✿ HOW IT WORKS
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1. Open your How to Access PDF and click the link to make your own copy (free Google account needed)
2. In your copy, click the 🌱 Money Garden Budget Planner menu, then Open my planner
3. Give permission once. Google shows a "Google hasn't verified this app" screen for every personal script like this one. Click Advanced, then Go to Money Garden Budget Planner, then Allow. Your setup guide shows every step
4. Make your private planner link (about 2 minutes) and add it to your phone's home screen

Setup takes about 10 minutes and is done on a computer. After that, use your planner anywhere.

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✿ GOOD TO KNOW
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• Requires a free Google account and an internet connection
• Made for Google Sheets. It does not work in Excel, Numbers, GoodNotes or Notion
• It does not connect to your bank. You type in what you want to track
• This is a planning tool, not financial advice. Debt-free dates and interest are estimates
• Each person or household needs their own copy. To budget together, share your Sheet with your partner
• Entries in the photos are sample entries. Clear them with one click
• Colors may look slightly different on different screens
• Digital product only. No physical item will be shipped
• Because this is a digital download, returns and exchanges aren't accepted. If anything isn't working, please message us and we'll gladly help

For personal use only. Please don't share, resell or redistribute the planner, its link or its artwork.

Looking for a different look? See our Wildflower Planner in the shop.

Questions? Message Muse & Make Co anytime. We're happy to help.

Thank you for supporting our small shop! 🌱Created by Muse & Make Co with the help of AI tools.