Your complete budget spreadsheet, built to your actual numbers.

What it does

You've been meaning to build a real budget spreadsheet for months. You know what you need: somewhere to track income and spending by category, a way to see your net worth actually moving, a savings goal tracker that tells you when you'll hit your emergency fund, and a debt payoff plan that does the math for you. You just never built it because blank spreadsheets are brutal. This skill builds the whole thing in one conversation. Give it your take-home pay, your recurring bills, your debts with interest rates, and your savings targets — it generates a four-sheet Google Sheets dashboard with working formulas already in place. It knows the difference between avalanche and snowball payoff logic, it'll size your emergency fund correctly, and it won't forget the categories you always forget (annual insurance, car registration, that streaming service you pay quarterly). If your numbers come in underwater — fixed expenses at or above take-home — it doesn't just flag the problem and move on. It builds a triage-first dashboard: a 'Stop the bleeding' panel showing which fixed costs are above benchmark, a creditor-call script, and a 30-day survival budget before it touches optimization at all. Bundled reference guides cover the exact formulas used in every sheet (with Excel equivalents), net worth tracking best practices including how to value illiquid assets without inflating your number, savings goal sizing for emergency funds and down payments, and debt payoff math — so if you want to tweak anything later, you're not guessing. One purchase, no recurring fee, no syncing your bank account to someone else's server.

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