One Spreadsheet. Total Financial Clarity.
Budget, pay off debt, and watch
your net worth grow — in one file.
The Clarity Planner is a done-for-you Excel template with a live debt payoff calculator, monthly budget tracker, savings goals and net worth tracker. Just type in your numbers.
One-time payment. Instant download. Works in Excel & Google Sheets.
Everything you need, already built
Live Dashboard
Every key number — income, expenses, debt remaining, months to debt-free — updates automatically in one view.
Monthly Budget Tracker
Budgeted vs. actual for every income and expense category, with the difference calculated for you.
Debt Payoff Calculator
List every debt, add an extra payment, and watch your exact payoff timeline calculate in real time — snowball or avalanche.
Savings Goals Tracker
Emergency fund, holiday, house deposit — track multiple goals and see months-to-target for each.
Net Worth Tracker
A full 12-month assets vs. liabilities tracker so you can watch your net worth compound over time.
Get out of financial fog today
$12 one-time. No subscription. Instant download.
Frequently asked questions
Does this work in Google Sheets?
Yes — the file is a standard .xlsx. Upload it to Google Drive and open with Google Sheets, or use it directly in Excel or Numbers.
Is this a subscription?
No. It's a one-time payment of $12 for lifetime access to the file. No recurring charges, ever.
How do I get the file after buying?
Instantly — you're redirected to a download link the moment payment completes, and it's a plain file with no account or login required.
I'm not good with spreadsheets — is this hard to use?
No formulas to write. Every calculation (budget totals, debt payoff timeline, savings goal countdown, net worth) is already built in — you just type in your numbers.