Best value
The Complete Bundle
All four trackers, one purchase — the whole studio, for less than buying them apart.
4 separate files · light + dark
View templateSpreadsheet studio · Est. 2026
Money, sorted on a Sunday.
Calm, genuinely useful finance spreadsheets for Excel and Google Sheets — to budget, pay off debt, and save on purpose.
Browse the templates- Excel + Google Sheets
- Instant download
- One-time payment
Why this exists
- Most budget templates are a bare grid.
- Or so complicated you quit by week two.
- Sunday Ledger is neither.
The templates
Six ways to get your money tidy.
Each one is a finished spreadsheet — Excel and Google Sheets, light and Midnight Pine, in a single download. You type in the clay-outlined cells; the file does the math.
All-in-one
Ultimate Personal Finance
Your whole financial life on one screen. Enter a debt once and it counts down while your net worth climbs.
9 tabs · one file
View template
Template 01
Debt Payoff Tracker
See the month your debt actually ends — and how much interest you skipped getting there.
Snowball · Avalanche
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Template 02
Paycheck Budget
Know what is safe to spend today, not at the end of the month.
4 pay frequencies
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Template 03
Sinking Funds Tracker
Big expenses stop being emergencies once you have been putting a little aside each month.
Up to 15 funds
View template
Template 04
Net Worth Tracker
One number, every month, going the right way. Assets, debts and the milestones ahead.
Up to 15 assets
View templateWhich one is right for me?
Start where the money hurts.
- Digging out of debt Debt Payoff Tracker
- Living paycheck to paycheck Paycheck Budget
- Saving for something big Sinking Funds Tracker
- Want the whole picture Ultimate, one file or the Bundle, four
| Template | What it solves | Who it’s for | Files | Tabs |
|---|---|---|---|---|
| Debt Payoff Tracker | Gets your balances to zero, with the exact month it happens and the interest you skip | Anyone paying down credit cards, car loans, medical bills or student debt | 1 file | 6 tabs |
| Paycheck Budget | Tells you what’s safe to spend on this check, not at the end of the month | Paid weekly, every 2 weeks, twice a month (the 1st and 15th), or monthly | 1 file | 6 tabs |
| Sinking Funds Tracker | Turns big expenses into a monthly amount, so they stop being emergencies | Saving for several things at once — up to 15 funds, dated or ongoing | 1 file | 6 tabs |
| Net Worth Tracker | One number, month over month, with a date on every $10,000 milestone | FIRE and long-term savers — up to 15 assets and 9 debts | 1 file | 6 tabs |
| Ultimate Personal Finance | All four jobs in one connected file — a debt typed once feeds your net worth and your payoff plan | Wants the whole picture on one Home screen, entered once | 1 file connected |
9 tabs |
| The Complete Bundle | The same four jobs as four separate files, each one focused and independent | Prefers one tool per job, and wants the whole set at once | 4 files | 6 tabs each |
Ultimate or Bundle? The Ultimate is one spreadsheet where everything is wired together: one Setup feeds the budget, the debt plan, the funds and the net worth, so you never type a number twice. The Bundle is the four separate trackers sold together — no shared Setup, no single dashboard, but each file opens on its own and does one job well. Same four jobs, two different ways to work.
How it works
Downloaded and set up before your coffee cools.
- 01
Buy and download instantly
No waiting, nothing shipped. The files land in your order email and in your account.
- 02
Open in Excel, or make a copy
Open the .xlsx in Excel, or tap “Make a copy” for the Google Sheets version.
- 03
Fill in the clay cells
Type in the clay-outlined cells only. Everything else calculates itself.
Midnight Pine
Every template, after dark.
Every file ships with a second, darker version of the same sheet — same formulas, same layout, easier on the eyes at 11pm. Switch tabs, not templates.
- Included free in every download
- Same file, no second purchase
- Light and dark, side by side
Why trust this
Small studio. Careful work.
Built to be honest
The math is checked, cell by cell. No hidden rounding, no numbers that only look right.
Works everywhere
Excel and Google Sheets, desktop and mobile. Both versions are in the same download.
Yours forever
One payment, no subscription, fully editable. Rename categories, change the currency, keep it for years.
Real support
Reply to your order email and you reach me, not a queue. I answer within a day.
The honest guarantee
Digital downloads are final — but your happiness isn’t optional. If a file won’t open, a link is broken, or something isn’t working, reply to your order email and I’ll sort it out, usually within 24 hours.
About
A spreadsheet studio, run by one person.
Sunday Ledger started with a simple feeling: money is so much calmer when it’s tidy. I make finance spreadsheets I actually wanted to use — clear, warm, and beautiful enough that sitting down with your numbers feels like a quiet Sunday morning instead of a chore.
Every template is built by hand and tested with real numbers before it goes out. If a formula would break the moment you renamed a category, it does not ship. If a chart looks impressive but tells you nothing, it does not ship either.
Questions, or something not adding up? Write to sundayledgerbudgets@gmail.com.
Questions
Before you buy.
Do I need Excel?
No. Every template comes as an Excel .xlsx file and as a Google Sheets version. A free Google account is enough — you do not need to buy Microsoft Office.
Is this a one-time payment?
Yes. One payment, no subscription, no renewals. The file is yours to keep and reuse year after year.
Can I edit it?
Yes. Rename any category, change the currency symbol, add your own labels. The formulas are visible and unlocked, so the sheet bends to how you actually think about your money.
How do I get the Google Sheets version?
Your download includes a short welcome PDF with a Google Sheets link. Open it, choose File ▸ Make a copy, and your own copy lands in your Drive. Nothing you type is ever visible to anyone else.
Will it work on my phone?
Yes, through the Google Sheets or Excel mobile app. Setting the file up the first time is easier on a computer; the day-to-day updates work comfortably on a phone.
Do you offer refunds?
Because these are digital files that download instantly, all sales are final. But if something is not working, or you bought the wrong template, reply to your order email — I read every one and I will make it right.
Newsletter
New templates, now and then.
No spam, ever. One short note when something new is ready.
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