Four ways to get organized — no subscriptions

Take Control of Your Money

Start with a free budget, then choose the paid workbook that fits your system. Every purchase is one-time, downloadable, and yours to keep.

Choose your starting point

A clear option for every stage

Starter Budget

Free
Download instantly · No checkout required

Includes

  • Free Starter Budget
  • Simple monthly budget worksheet
  • Planned vs. actual tracking
  • Works in Excel & Google Sheets
  • Download and keep the file
Starter Budget workbook preview showing the Start Here and Monthly Budget sheets with illustrative sample data.

Illustrative sample data — preview only.

Download Starter Budget

Free workbook · No sign-in

Annual Budget Planner

$47
One-time · Instant download · Yours forever

Includes

  • Annual Budget Planner
  • Full-year income and expense planning
  • Monthly rollups and annual summaries
  • Plan ahead for irregular expenses
  • Works in Excel & Google Sheets
  • Download once and keep it
Get Annual Budget Planner — $47

Secure checkout · Instant download

Complete Financial System

$79
One-time · Full paid workbook collection

Includes

  • Monthly Budget + Net Worth
  • Annual Budget Planner
  • Debt Payoff Tracker
  • Cash Flow Tracker
  • Tax Planning Template
  • Emergency Fund Tracker
  • Net Worth Tracker
  • Subscription Tracker
  • Monthly Budget + Net Worth
  • Annual Budget Planner
  • Debt Payoff, Cash Flow, and Tax Planning
  • Emergency Fund, Net Worth, and Subscription trackers
  • Download the collection and keep it
Get Complete Financial System — $79

Secure checkout · Instant download

Not sure where to start?

Which option is right for me?

Start simple

Use the free Starter Budget to build a monthly tracking habit before choosing a larger system.

Track month to month

Choose Monthly Budget + Net Worth when you want one workbook for spending and your overall financial picture.

Plan the whole year

Choose the Annual Budget Planner for forward planning, or the Complete Financial System for the full collection.

Browse focused templates

The questions that matter

A system that stays in your hands

Illustrative examples — placeholder copy until real reviews arrive.

Compatibility

The workbook opens in Excel and Google Sheets without another app or bank connection.
Illustrative example

Updates

Annual calendar updates arrive at no extra charge, so I can keep the same system year to year.
Illustrative example

Privacy

My financial numbers stay in the file I own instead of in a budgeting-app account.
Illustrative example
📊

Monthly Budget Sheet

Income vs. actuals tracker with variance column so you know exactly where every dollar went.

💰

Net Worth Tracker

Assets minus liabilities, updated monthly. Watch your wealth grow over time.

📅

Annual Summary Sheet

Full-year income and expense breakdown — great for tax prep and annual reviews.

🔗

Works in Excel & Google Sheets

Fully compatible with both. No macros, no add-ons — just open and use.

🔒

You Own the File

Download once, keep forever. No subscription, no cloud lock-in, no data harvesting.

♻️

Annual Updates Included

We update the calendar structure each year at no extra charge.

Our commitment to you
Try it for 30 days. If it doesn't work, we refund you — no hard feelings.
What qualifies for a refund: You changed your mind, the template doesn't fit how you work, or it's not what you expected. Email us at ownyourmoney@polsia.app — we process refunds via Stripe within 3 business days. That's it. No forms, no manager approval, no awkward conversation.
Get Monthly Budget + Net Worth — $27
Complete Financial System
Get the Complete Financial System for $79
Get the current paid workbook collection in one purchase: budgeting, net worth, debt payoff, cash flow, tax planning, and focused trackers you can download and keep.
One-time purchase · No subscription
Includes: Monthly Budget + Net Worth · Annual Budget Planner · Debt Payoff Tracker · Cash Flow Tracker · Tax Planning Template · Emergency Fund Tracker · Net Worth Tracker · Subscription Tracker
Bundle price
$79
downloadable · yours forever
Get Complete Financial System
Early access

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Join the waitlist for new templates, practical money tools, and early access when they launch.

Common questions

Is this compatible with Excel and Google Sheets?
Yes — it works in both, plus LibreOffice and any spreadsheet app that opens .xlsx files. No macros, no add-ons required.
Is this a subscription?
No. Pay once, download the file, keep it forever. No recurring charges, ever.
What if I need help using the template?
Email us at ownyourmoney@polsia.app — we respond within 1 business day. We also include setup notes inside the template to get you running in minutes.
Do I need to buy it again next year?
No. We update the calendar structure each January at no charge — you'll receive the new version via email. You're not locked into anything.
Can I share this with my spouse or family?
The license covers personal use — one household. If you want to use it across multiple businesses or with clients, contact us.
How do I receive the template after paying?
Instant download right after checkout. You'll also get the file link sent to the email address you provide at Stripe.
What if it doesn't work for me?
Email us within 30 days for a full refund — no forms, no manager approval, no awkward conversation. Just ownyourmoney@polsia.app.
What does the Complete Financial System bundle include?
The $79 Complete Financial System includes the current paid workbooks: Monthly Budget + Net Worth, Annual Budget Planner, Debt Payoff Tracker, Cash Flow Tracker, Tax Planning, Emergency Fund, Net Worth, and Subscription Tracker.
Do you store any of my financial data?
No. The template lives on your computer or Google Drive. We never see your numbers.

Still have questions? Read the full FAQ →

Take control of your money, starting today.

Start free or choose a paid workbook from $27 to $79. Every product is a one-time purchase with an instant download.

Get Monthly Budget + Net Worth — $27

or download the free Starter Budget or browse focused templates.