The cash-flow calendar is the centerpiece.
It places paychecks in, bills and debt payments out, and day-to-day spending across the month. Any projected negative day—or day under your cushion—is flagged before it happens.
Private personal planning
Know if the money will be there when the bill hits.
A complete personal budget, cash-flow calendar and debt-payoff planner in one workbook. One-time price. No subscription. No bank login. Your numbers never leave your computer or Drive.
- $19.99 once
- No subscription
- No bank login
- Your data stays with you
- Works offline
- Day-by-day cash flow
- 3-paycheck months flagged
- Snowball and Avalanche
Real filled-in workbook screenshot
Cash-Flow CalendarSee timing before it becomes a problem.
Built around real life
A plan you can use without handing over your financial life.
Know what is due, when cash gets tight, and what one extra payment changes—without sharing a bank login.
- See cash timing before it becomes a problem.Paychecks, bills and spending land on their actual dates.
- Enter your numbers once.Income, bills and your plan flow through the workbook.
- Compare debt choices clearly.See Snowball, Avalanche and your own order side by side.
Dashboard
Planned, spent and left to spend; savings rate, total debt, estimated debt-free date, debt-to-income ratios, net worth and live charts—without jumping between tabs.
Cash-Flow Calendar
The flagship view. Paychecks, bills, debt payments and day-to-day spending land on their actual dates. See the lowest point of the month, bills due in 7 or 14 days, your next paycheck and what is safe to spend before it arrives.
Monthly Budget
Plan versus actual for every category, a clear remaining amount, and an early heads-up when a three-paycheck month is coming.
Debt Payoff Plan
Compare Snowball, Avalanche, minimums-only, or your own order. Add extra payment and see each debt’s finish date, total interest, next target and month-by-month payoff calendar.
Debts
Keep balances, rates, minimums and due days together. A payment log keeps estimated balances current between statements.
Savings & Sinking Funds
Plan up to 15 funds with a target, date, monthly and per-paycheck amount, funding status, emergency-fund calculator and contribution log.
Goals & Big Purchases
Price a trip line by line or start with a practical preset—then see what to set aside each paycheck so you can pay cash.
Bills
Enter recurring bills once on their real due day. Monthly, quarterly, semi-annual and annual bills are handled; annual costs are smoothed in the plan but appear in full on the calendar.
Transactions
A 1,000-row log with category dropdowns and an optional cleared check. Enter a transaction once; every tab reads it.
Year in Review
Review every category by month, income versus money out, running total and annual savings rate.
Setup + Start Here
Enter income, spending and categories once. Rename or add a category and every dropdown, total and chart follows.
Built around real life
A plan you can use without handing over your financial life.
The workbook is designed to answer the practical questions that a balance alone cannot: what is due first, when cash gets tight, and what one extra payment changes.
The cash-flow calendar is the centerpiece.
It places paychecks in, bills and debt payments out, and day-to-day spending across the month. Any projected negative day—or day under your cushion—is flagged before it happens.
Enter it once
Income, bills and your plan flow through the workbook. Actuals stay in the Transactions log when you change the month view.
Choose debt strategy clearly
Snowball, Avalanche and your own order sit side by side so you can see dates and interest before deciding.
Dashboard
Planned, spent and left to spend; savings rate, total debt, estimated debt-free date, debt-to-income ratios, net worth and live charts—without jumping between tabs.
Cash-Flow Calendar
The flagship view. Paychecks, bills, debt payments and day-to-day spending land on their actual dates. See the lowest point of the month, bills due in 7 or 14 days, your next paycheck and what is safe to spend before it arrives.
Monthly Budget
Plan versus actual for every category, a clear remaining amount, and an early heads-up when a three-paycheck month is coming.
Debt Payoff Plan
Compare Snowball, Avalanche, minimums-only, or your own order. Add extra payment and see each debt’s finish date, total interest, next target and month-by-month payoff calendar.
Debts
Keep balances, rates, minimums and due days together. A payment log keeps estimated balances current between statements.
Savings & Sinking Funds
Plan up to 15 funds with a target, date, monthly and per-paycheck amount, funding status, emergency-fund calculator and contribution log.
Goals & Big Purchases
Price a trip line by line or start with a practical preset—then see what to set aside each paycheck so you can pay cash.
Bills
Enter recurring bills once on their real due day. Monthly, quarterly, semi-annual and annual bills are handled; annual costs are smoothed in the plan but appear in full on the calendar.
Transactions
A 1,000-row log with category dropdowns and an optional cleared check. Enter a transaction once; every tab reads it.
Year in Review
Review every category by month, income versus money out, running total and annual savings rate.
Setup + Start Here
Enter income, spending and categories once. Rename or add a category and every dropdown, total and chart follows.
Why a workbook
Own your planning instead of renting another subscription.
A clear record that stays with you—not another account that requires a bank login.
- $19.99 onceNot $80–$120 every year.
- No bank loginYour data stays on your computer or Drive.
- Works offlineUse the plan without relying on another app.
- Price
- CashClarity$19.99 onceBudgeting appsOften $80–$120 per year
- Bank login required
- CashClarityNeverBudgeting appsCommonly expected
- Where your data lives
- CashClarityYour computer or your DriveBudgeting appsThe app’s servers
- Works offline
- CashClarityYesBudgeting appsOften limited
- Three-paycheck months
- CashClarityDetected automaticallyBudgeting appsNot always surfaced
- Day-by-day cash-flow calendar
- CashClarityYesBudgeting appsLess commonly included
- Debt Snowball vs. Avalanche
- CashClaritySide by sideBudgeting appsVaries by app
- Sinking funds per paycheck
- CashClarityYesBudgeting appsVaries by app
| CashClarity | Budgeting subscriptions/apps | |
|---|---|---|
| Price | $19.99 once | Often $80–$120 per year |
| Bank login required | Never | Commonly expected |
| Where your data lives | Your computer or your Drive | The app’s servers |
| Works offline | Yes | Often limited |
| Three-paycheck months | Detected automatically | Not always surfaced |
| Day-by-day cash-flow calendar | Yes | Less commonly included |
| Debt Snowball vs. Avalanche | Side by side | Varies by app |
| Sinking funds per paycheck | Yes | Varies by app |
Why a workbook
Own your planning instead of renting another subscription.
CashClarity is for people who want hands-on control and a clear record that stays with them—not another account that requires a bank login.
- Price
- CashClarity$19.99 onceBudgeting appsOften $80–$120 per year
- Bank login required
- CashClarityNeverBudgeting appsCommonly expected
- Where your data lives
- CashClarityYour computer or your DriveBudgeting appsThe app’s servers
- Works offline
- CashClarityYesBudgeting appsOften limited
- Three-paycheck months
- CashClarityDetected automaticallyBudgeting appsNot always surfaced
- Day-by-day cash-flow calendar
- CashClarityYesBudgeting appsLess commonly included
- Debt Snowball vs. Avalanche
- CashClaritySide by sideBudgeting appsVaries by app
- Sinking funds per paycheck
- CashClarityYesBudgeting appsVaries by app
| CashClarity | Budgeting subscriptions/apps | |
|---|---|---|
| Price | $19.99 once | Often $80–$120 per year |
| Bank login required | Never | Commonly expected |
| Where your data lives | Your computer or your Drive | The app’s servers |
| Works offline | Yes | Often limited |
| Three-paycheck months | Detected automatically | Not always surfaced |
| Day-by-day cash-flow calendar | Yes | Less commonly included |
| Debt Snowball vs. Avalanche | Side by side | Varies by app |
| Sinking funds per paycheck | Yes | Varies by app |
ACTUAL PRODUCT SCREENSHOTS — NOT MOCKUPS
See the workbook before you buy.
These are views from the included filled-in sample workbook.
Screen 1 of 5
Cash-Flow Calendar
Paydays, bills and day-to-day spending placed on the real dates they happen.
1 / 5
Built to do the work behind the scenes.
- 12 customer-facing worksheets
- 4 hidden calculation and list worksheets
- 23,500+ connected formulas
- 10 live charts
- 55 data-validation and dropdown rules
- 22 conditional-formatting sections
- 11 protected customer-facing sheets
- 0 macros, external connections or stored formula errors
A complete connected planning system—not a basic budget template. Everything works inside the file you control.
Choose your edition
Buy the workbook. Keep using it.
Choose a Personal edition for your household, or CashClarity For Business for small-business finances. No bank connection required.
Details buyers ask about
Straight answers, before you decide.
- Does it use macros, add-ins or scripts?
- No. The Excel edition uses formulas only—nothing to enable, install or trust. It does not connect to the internet or your bank.
- Which Excel versions work?
- Excel 2016 or newer on Windows or Mac, including Microsoft 365 and Excel for the web. The workbook does not require an internet connection to work.
- What about the Google Sheets edition?
- The Google Sheets edition is available now with a free Google account in a browser and the Sheets app. It can also be used offline in Chrome when Google Drive offline access is enabled.
- Are the worksheets locked?
- Calculated cells are protected to help prevent accidental edits, but there is no password. You can unprotect a tab in one click if you want to change its structure.
- What comes with the Excel edition?
- The workbook, a fully filled-in sample version so you can see every tab working, and a plain-English README.
- Can I use another currency?
- It displays USD by default. You can change the number format to another currency; the README explains how.
- How much setup is involved?
- Start with income, bills and a basic spending plan. That is enough to make the Dashboard useful. Transactions, debt, funds and goals can be added when you are ready.
- Is my data private?
- Yes. Nothing in the workbook connects to your bank or a CashClarity server. Your data stays on your computer or in your own Drive.
- Can I keep using it next year?
- Yes. Your personal license is for unlimited years. Start a new year by changing one date.
- Are debt and debt-to-income figures financial advice?
- No. CashClarity is a planning tool. Its debt and debt-to-income figures are estimates based on the numbers you enter, with the formulas shown in the workbook.
Quality commitment
Built to be practical, not mysterious.
CashClarity is designed to make its inputs and estimates understandable. It handles common planning edge cases, including weekly, biweekly, semi-monthly and monthly income; a due day of the 31st in shorter months; 0% APR; paid-off and blank debts; and a debt minimum that does not cover interest. Every projection still depends on the numbers you enter—please review your plan before acting on it.
A clear digital-file policy.
If the file does not download, arrives corrupted, or has a defect we cannot fix, you get a full refund. Because it is a digital file, there are no change-of-mind refunds after download.
CashClarity is a planning tool, not financial advice. Every number is a projection based on buyer-entered information.