One number that matters: what's safe to spend.
Money in, money out — and the single number that tells you where you stand. Track by pay cycle, give every dollar a job or just set simple limits, and see where your money actually goes. No spreadsheet, no sign-in, and everything stays on your device.
Try before you buy
The whole tool, right here — free.
This is the real tracker, with sample numbers filled in. Add an expense, move a limit, watch safe-to-spend change. Nothing is saved unless it's your copy.
What you get
One file. One honest number.
- The full Budget Tracker as a single file you save and keep
- A safe-to-spend number that updates the moment anything changes
- Track by pay cycle, give every dollar a job, or just set simple limits
- See where the money actually goes, category by category
- Works offline, on phone or computer, with no account
How it works
Three small steps.
Set your money in
Paychecks or whatever lands — by month or by pay cycle.
Give dollars a job, or set limits
As detailed or as loose as you like. Both work.
Check the one number
What's safe to spend, updated live. Open it, glance, close it.
Good to know
Questions, answered.
What's the simplest budget tracker for beginners in 2026?+
The Budget Tracker ($25) keeps everything to one screen: money in, money out, and the single number that matters — what's safe to spend. There's no spreadsheet and no sign-in, so you can start in a couple of minutes and check in whenever you like.
How do I get it after I buy?+
Right after checkout you'll get a download link by email. It's a single download — save it, open it in any browser, and it's yours.
Is this a subscription?+
No. One payment, yours to keep. No renewals, no recurring charges, no upsells.
Does it need an account or internet?+
Neither. There's no sign-up, and once the file is saved it works offline. Everything you enter stays in your own browser, on your device — nothing is sent anywhere.
Will it work on my phone?+
Yes — it's built to work full-size on phones, tablets, and computers, not a shrunken version on the small screen.
Can I get a refund?+
That's exactly why the full tool is free to try first — so you know it fits before you buy. If something's wrong with your download, reach out and we'll make it right.
Is this financial advice?+
No. The tool gives careful estimates to help you plan, and it isn't a substitute for advice from a professional.
Little and often
Start with what's safe to spend.
$25 · one payment, yours forever