Common questions
Why a spreadsheet instead of an app?
Apps require bank logins, charge monthly fees, get acquired and shut down (RIP Mint). A spreadsheet lives on your device — no logins, no recurring charges, no company holding your numbers hostage. You enter the data yourself, which means you actually look at it.
Do I need advanced Excel skills?
No. If you can enter numbers into a cell and click a tab at the bottom of the screen, you can use these templates. There are no macros, no formulas to write, no pivot tables. Pre-built categories, formulas, and conditional formatting do the math for you. Setup notes are included inside the file.
Is this a one-time purchase?
Yes. Pay once, download the file, keep it forever. No subscription, no renewal fee, no "premium tier" upsell. Annual calendar updates are emailed to you at no charge — you don't have to re-buy each year.
What if I need help?
Email us at
ownyourmoney@polsia.app — we respond to every message within one business day. The template includes a "Getting Started" tab with step-by-step setup notes, and a 30-day refund policy: if it doesn't work for you, we refund the full purchase price. No forms, no support tiers.
Which template is right for me?
If you want to track what you spend each month and watch your net worth grow over time, start with the Monthly Budget + Net Worth Tracker ($12–$39). If you also plan your full year ahead or pay down debt, the Complete Bundle ($79) adds the Annual Budget Planner, Debt Payoff Tracker, and Cash Flow Tracker. Not sure?
Email us and we'll point you to the right one.