Personal Finance Toolkit
5 spreadsheets + guides that map your bills to your actual pay periods. Excel & Google Sheets. Instant download.
$48 $32 — Save 33% with the bundle
Your rent is due on the 1st. Your car payment on the 15th. Your electric bill on the 22nd. A monthly budget doesn't tell you which paycheck covers what.
You earn $3,200/month but two of your paychecks are $1,600 each. Some pay periods are tight. Others have surplus. Monthly totals hide this.
Not an app that requires linking your bank account. Not a monthly planner that ignores pay dates. A spreadsheet that maps every bill to every paycheck.
What's Included
Each product works on its own. Together, they form a complete financial control system.
Map every bill to every paycheck for the full year. See exactly which bills come out of which paycheck—no more guessing.
$8 Included in bundle
Compare Snowball vs. Avalanche strategies side by side. See your exact payoff date and total interest saved.
$8 Included in bundle
Track up to 15 savings goals with auto-calculated monthly contributions and projected completion dates.
$8 Included in bundle
5 PDF guides: financial health checklist, subscription audit, bill negotiation scripts, emergency fund roadmap, and annual review.
$8 Included in bundle
90-day step-by-step playbook plus 4 letter templates for disputes, goodwill adjustments, and pay-for-delete requests.
$8 Included in bundle
Limited-Time Offer
Instant download. Works in Excel and Google Sheets. Yours forever.
Simple Setup
Get all files immediately after purchase. No waiting, no account needed.
Works in both. Make a copy in Google Sheets or download the Excel files.
Add your bills, pay dates, debts, and savings goals. The highlighted cells are yours to fill in.
Formulas auto-calculate your bill calendar, debt payoff timeline, and monthly savings targets.
Use the PDF guides to negotiate bills, audit subscriptions, and improve your credit score.
You get paid biweekly (or weekly, or semi-monthly) and monthly budgets never work
You have 3+ debts and want a clear payoff plan
You keep getting “surprised” by annual expenses like car registration or insurance renewals
You want to improve your credit score but don't know the exact steps
You want a simple system — not an app that requires linking your bank
You’ve tried YNAB, Mint, or other apps and they didn’t stick
| PoiseFi | Budgeting Apps | |
|---|---|---|
| Monthly cost | $32 one-time | $5–$15/month |
| Bank linking required | No | Yes |
| Pay-period alignment | Built-in | Rare / manual |
| Works offline | Yes | No |
| You own your data | 100% | On their servers |
| Customize everything | Yes | Limited |
Questions?
The spreadsheets are .xlsx files (Excel). They also work in Google Sheets — just upload and make a copy. The guides are PDF files that open on any device.
No. The spreadsheets work perfectly in the free Google Sheets. Just upload the file and click “Make a copy.” They also work in LibreOffice (free).
No. It’s a one-time purchase. You download the files and they’re yours forever. No recurring charges, no account to maintain.
We offer a 30-day money-back guarantee. If the tools don’t help you get organized, email us and we’ll refund your purchase. No questions asked.
No account linking. No monthly fee. No learning curve. You own the data, it works offline, and it’s organized by paycheck — not by month. Just open the spreadsheet and start entering your bills.
Yes. The Bill Tracker supports biweekly, weekly, and semi-monthly pay schedules. You set your pay frequency and the spreadsheet adapts.
Yes, individual products are available for $8 each. But the bundle saves you 33% and gives you the complete system — most people find they need all five.
Start with our free Financial Health Checklist — a 2-page PDF that walks you through organizing your bills, auditing subscriptions, and building a system. In one weekend.
No spam. Unsubscribe anytime. We'll send you the checklist immediately.