17 products. 5 bundles. Built for people who are done winging it.
The 5 most foundational budget tools: Monthly Budget Tracker, 52-Week Savings Challenge, Debt Snowball/Avalanche Planner, Savings Goal Tracker, and Sinking Funds Tracker. $41 worth of tools for $29 — everything you need to build the habit from zero.
Monthly Budget Tracker + 52-Week Savings Challenge + Debt Snowball Planner. Everything a beginner needs to get in control fast.
Debt Snowball + Debt Avalanche + Bi-Weekly Budget Planner. Use both methods, find your path, execute.
All 12 core templates — every budget tracker, savings tool, debt planner, net worth tracker, and financial workbook in one bundle. Save $30.
The complete money management toolkit. Monthly Budget + 52-Week Savings + Debt Snowball + Bi-Weekly Planner + Sinking Funds + Paycheck Allocator + Annual Budget + Subscriptions + Financial Goals + Emergency Fund. All 10 for one price — save $18 vs buying individually.
All 12 templates + The Ledger 50-Week Planner + lifetime updates as new products drop. The complete financial operating system — one purchase.
All 18 budget, savings, and debt templates — plus The Ledger 50-Week Planner — plus every template we ever release. Pay once, get everything forever. This is the complete Black Ledger Co library in one bundle.
Essential tools for people building the habit from scratch.
12-month budget with income/expense categories, auto-calculating totals, spending breakdowns, and a visual dashboard. Lime accent on active months. No placeholders — ready to use.
Progressive savings tracker with auto-calculating totals, quarterly milestone markers (weeks 13, 26, 39, 52), and a vault completion celebration. Works in Excel or Google Sheets — download the .xlsx and import it directly into Google Drive.
Debt list → auto-sorted smallest-first. Monthly payment tracker with running balance, payoff date per debt, lime progress bars. Comparison mode shows original payoff vs your current path.
Dual-tab debt planner with both Snowball (lowest balance first) and Avalanche (highest APR first) methods. Enter your debts once — both tabs reference the same data. Includes summary dashboard, extra payment calculator, payoff timeline with neon lime milestones, and a plain-language instructions tab.
Track up to 10 simultaneous savings goals. Per-goal: target amount, current balance, deadline, and auto-calculated progress %, remaining amount, months left, and $/month needed. Visual progress bar (█░) with milestone markers at 25%, 50%, 75%, and 100%. Goal completion celebration state. Monthly contribution tracker. Dashboard tab shows total saved, total target, overall progress, and per-goal status at a glance. Works in Excel and Google Sheets.
26 bi-weekly periods mapped across the year. Built-in extra paycheck allocation guide for periods 13 and 27. Category budgets spread across both paychecks, auto-totals, and YTD tracker.
Track 12 simultaneous sinking funds. Target amount, deadline, monthly contribution, auto-calculated progress %, progress bar (■ blocks), amount remaining, months left, contribution needed/month. Dashboard tab shows total saved vs total target across all funds. Black Ledger Co branded — void black + neon lime.
For people past the basics, building long-term wealth architecture.
Zero-based paycheck allocator. Enter your net pay, assign every dollar to a category, and watch the "Left to Allocate" counter hit zero. Tracks budget vs actual with variance, % of income, and On Track / Over / Under status per category. Includes sinking funds section and savings goals section. Dashboard tab pulls everything into one clean summary.
24-month credit score log with auto-calculated month-over-month change, goal tracking, and GOAL HIT! status detection. Includes a Credit Card Utilization section for up to 8 cards (auto-calculates %, flags IDEAL/GOOD/HIGH). Dashboard tab shows starting score, current score, highest, lowest, total change, months tracked, and goals hit — plus a live score range indicator.
31-day expense log with 10 customizable spending categories. Set per-category budgets, track daily spend, see over/under budget at a glance. Dashboard tab summarizes total income, total spent, % of income used, avg daily spend, and a full category breakdown. Works in Excel and Google Sheets.
Track all income sources with expected vs actual amounts. 31-row income log with Date, Source, Category, Expected, and Actual columns. Auto-calculated monthly summary, per-category totals, variance tracking, and a year-at-a-glance Jan–Dec view. Works in Excel and Google Sheets.
Your complete financial picture in one branded template. Four linked tabs: Income & Expenses (12-month cash flow tracker), Savings & Debt (5 goals + 5 debts with auto-calculated progress bars), and a master Dashboard that auto-pulls net worth, savings rate, debt totals, and health indicators from the other tabs. All formulas pre-built — just fill in the yellow cells.
Track every subscription and membership in one place. Log name, cost, billing cycle, renewal date, category, and auto-renew status. Annual cost auto-calculates per billing cycle. Status flags alert you when renewals are due within 7 days or already overdue. Dashboard shows total monthly spend, total annual spend, category breakdown, and a renewal alert list.
Full-year budget planner with 12-month income and expense tracking across 12 categories. Budget vs actuals side-by-side per month. Annual Dashboard tab shows total income, total spend, net savings, savings rate, and a full category breakdown — all auto-calculated. Includes a Notes & Goals tab for annual financial goal-setting and quarterly check-ins. Works in Excel and Google Sheets.
Plan and track up to 10 financial goals simultaneously. Set target amounts, log what you've saved, enter a deadline, and track monthly contributions. Auto-calculated: Progress %, Amount Remaining, Months Left, $/Month Needed, and a 10-segment visual progress bar. Milestone markers at 25%, 50%, 75%, and GOAL HIT! Dashboard tab shows total saved, total targets, overall progress %, goals hit, and a full milestone achievement breakdown.
Build and track your emergency fund with clarity. Set your goal amount, log every contribution with date and notes, and watch your progress bar fill toward 100%. Auto-calculates your running balance, progress %, and remaining amount. Stats sidebar shows total saved, average contribution, highest deposit, number of contributions, and milestone targets at 25%, 50%, 75%, and 100% of goal. Dashboard tab gives you your full fund status at a glance.
Track up to 5 debts with monthly payment logs across all 12 months. Debt Overview tab auto-calculates progress % and progress bars as you update current balances. Payment Log captures every payment with date, amount, status, and balance after. Dashboard shows total starting debt, total paid, overall progress, and a full Jan–Dec monthly balance trend. Works in Excel and Google Sheets.
Digital cash envelope budgeting system. Assign your monthly cash to 12 spending envelopes, track what you spend, and watch the progress bars fill. Status auto-flags envelopes as ON TRACK, LOW (under 25% remaining), or EMPTY. Dashboard pulls everything into a monthly summary with total budgeted, spent, and remaining at a glance.
The all-in-one annual finance system. Weekly planning, monthly reviews, quarterly resets, annual goal-setting, net worth tracking, debt payoff countdown, emergency fund tracker, financial wins log, and tax prep checklist.