Budget

An Excel workbook that shows you where the money actually goes — forty-plus expense lines, a net worth page, debts ranked two ways, goals that fill themselves in, and twelve honest months. You fill in the yellow cells; the math is done. Guides from a 30-year CFO on every category, as rules of thumb, not rules.

Comes as the Excel workbook (opens in Google Sheets too) and a companion app — one price, both.