One-time purchase · No subscriptions
Stop guessing.
Stop guessing.
Start knowing.
MyClearBudget makes plain-English spreadsheets that show you exactly where your money goes — budgets, debt payoff, side hustle income, and real estate deals. Built in Excel and Google Sheets. Buy once, keep forever.
9Spreadsheet tools
$0Subscription fees, ever
2Formats: Excel & Sheets
78%
of Americans report living paycheck to paycheck, according to a nationally representative Payroll.org survey covered by Forbes Advisor. Source
$1.26T
in total U.S. credit card debt as of Q2 2026, per the Federal Reserve Bank of New York's latest Household Debt and Credit Report. Source
~15%
of Americans say they don't budget at all — and cite it being too time-consuming as the top reason, per Debt.com's 2026 Budgeting Survey. Source
Shop
Pick the tool that matches your money moment.
How it works
From confused to in-control, in three steps.
01
Pick your spreadsheet
Choose the tool that matches what you're trying to fix — a budget, a debt payoff plan, a side hustle, or a rental deal.
02
Download & open
Get instant Excel and Google Sheets files by email through our secure Payhip checkout. No app to install, no account to create.
03
Plug in your numbers
Every formula is already built. Type in your income, expenses, or deal numbers and watch the categories, totals, and progress bars update themselves.
Who it's for
Built for real budgets, not perfect ones.
Young Professionals
You're finally earning real money and want a system before lifestyle creep catches up with you. Start with the Personal Budget Tracker.
Families & Couples
Two incomes, one household, and money conversations that go sideways. The Budget Together tools give you a shared, judgment-free system.
Paycheck-to-Paycheck
The money's tight and every dollar needs a job. The Debt Snowball and Personal Budget Tracker are built to work with real, irregular income.
Why MyClearBudget
Why people choose MyClearBudget
No subscriptions, ever
Buy once, own the file forever. No monthly fee, no auto-renewal, no app that disappears if you stop paying.
Works where you already work
Every tool is a real Excel workbook and a real Google Sheet — not a locked-down app. Customize any formula, any time.
No shame, no jargon
Messy finances are normal finances. Every tool is written in plain English, with formulas already built so you don't need to be a spreadsheet expert.
Built by people who use them
Every spreadsheet started as a tool we needed ourselves, then refined until it was worth selling.
Support included — email us anytime at support@myclearbudget.com
Coming soon
Real customer stories, once we have them to share
We'd rather show you nothing than show you something fake. As verified customers share their results, we'll feature real stories here — with their permission, using their real words.
In the meantime, every tool includes a clear breakdown of exactly what's inside before you buy, and a direct line to support if anything doesn't work as expected.
FAQ
Questions people ask before buying
Do I need to know Excel or Google Sheets to use these?
No. Every formula, category, and formatting rule is already built. You just type in your own numbers — income, expenses, debts, or deal figures — and the spreadsheet does the math.
Is this a subscription?
No. Every product on MyClearBudget is a one-time purchase. You pay once and the file is yours to keep and reuse for as long as you want, with no recurring charges.
What do I actually receive after buying?
An instant download link by email containing both an Excel (.xlsx) file and a Google Sheets-compatible version, delivered securely through our checkout partner, Payhip.
What if I need help or the file doesn't work for me?
Email support@myclearbudget.com and a real person will help. See our Terms of Service for the full refund policy.
Do you offer a free option?
Yes — the 30-Day Money Reset Workbook is free. It's a great starting point before you decide which paid tool fits your situation.
Ready to see where your money actually goes?
Start free with the 30-Day Money Reset Workbook, or go straight to the tool built for your situation.
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