Three categories. One page. That's it.

Built for when a normal budget feels like too many decisions. Bills, Spending, Savings — nothing more to decide, no red warnings, no guilt.

Get the Budget →

Excel and Google Sheets · AUD format · No bank login required

The problem

Most budgets ask for more decisions than most people can sustain.

Too many categories, too fast

Twelve categories sounds thorough, but it's also twelve decisions every time you spend something.

Guilt-based warnings don't help

Red numbers and stern alerts make budgeting feel like a punishment, not a tool.

Complex systems get abandoned

The most detailed budget in the world is useless if it's too much friction to actually keep using.

How it works

A budget built to actually stick.

Add one thing at a time

Date, what it was, how much — one row per entry.

Pick from three categories

Bills, Spending, or Savings. That's the only decision this makes you make.

Check one number

'Left This Week' — no warnings, no red text, just information.

Take a look inside

See exactly what you're getting.

Quick Entry

One page, one decision

Date, what it was, how much, and one of three categories. Nothing else to think about.

Dashboard

One number that matters

"Left This Week" — no judgement, no red warnings, just the number you actually need.

Who it's for

Designed for people who...

This is for you if you:

Have tried budgeting apps before and stopped using them
Find detailed categories overwhelming rather than helpful
Want a system that's sustainable, not perfectly detailed
Prefer Excel or Google Sheets
Don't want to connect your bank account

This isn't for you if you want:

Detailed category-by-category breakdowns
A live bank-syncing app
Personalised financial advice

Built from real budgeting frustrations

This budget exists because most budgeting tools ask for more decisions than most people can keep up with long-term. Three categories, one page — built to be sustainable, not just thorough.

Pricing

One simple price. No subscription.

Low-Friction Budget

$9.95

one-time payment

Excel version
Google Sheets compatible
Only three categories — Bills, Spending, Savings
One 'Left This Week' number, no red warnings
Everything visible on one screen
Bank statement import, simplified to match
Sample data included, ready to edit

After payment, you'll receive immediate access to the downloadable file and setup instructions.

By completing this purchase, you agree to the Terms and Conditions and acknowledge the Privacy Policy.

FAQ

Questions before you buy

Is this an Excel file?

Yes. It works fully in Microsoft Excel, and just as well in Google Sheets.

Only three categories — isn't that too simple?

That's the point. Fewer categories means fewer decisions, which means it's easier to actually keep using.

Does it connect to my bank?

No. You enter things yourself, or paste in a CSV/PDF statement — it auto-sorts into the three categories.

Does it work on a phone?

The Google Sheets version can be viewed and edited on mobile — handy for quick entries on the go.

Is this financial advice?

No. This is an educational budgeting tool, not personalised financial advice.

What happens after I purchase?

You get immediate access to the downloadable file and a short setup guide.