Tools
Know where your money goes. Then decide where it’s going.
Two Google Sheets tools built for real life — one to see where your money goes, one to plan where it’s going. No app to install, no account to create, no subscription. You make a copy into your own Drive and it’s yours — and every purchase includes both the English and the Spanish version of the file.
Cash Flow Mini
Income & Expense Tracker
You earn money. You spend money. And at the end of the month you are not entirely sure what happened in between. This fixes that.
- Record income and expenses in seconds
- See your monthly cash flow at a glance
- Understand where your money actually goes, by category
- Compare cash versus card spending
- Automatic summaries and charts — nothing to calculate
For: anyone starting to take their money seriously. No finance knowledge needed.
Budget & Wealth Builder
Complete Personal Finance System
There is a moment when knowing where your money went stops being the question. The question becomes: where am I going, and will I get there?
- Plan your month by category — planned versus actual
- Savings goals with an amount, a date and real progress
- Investment simulator: see what compound growth does over decades
- Connected dashboards for income, expenses, savings and investments
- Built to be used one year at a time
For: people and families who already track and now want structure.
Not sure which one?
The honest answer usually depends on one question: do you already know where your money goes?
If the answer is no
Start with Cash Flow Mini. Awareness comes before planning, and a budget built on numbers you guessed is a budget you will abandon in three weeks. Give it a month of honest recording and you will know more about your money than most people ever do.
If the answer is yes
Go straight to Budget & Wealth Builder. You already have the habit; what you need now is a plan with dates attached — and a clear picture of what putting money aside every month actually turns into over twenty years.
Instant download
Pay, and the file is in your inbox. Nothing ships, nothing waits.
Both languages
Every purchase includes the English and the Spanish version. One price.
Yours forever
Your copy lives in your Google Drive. It does not expire and it does not depend on us.
No subscription
One payment. No renewals, no account with us, no upsell later.
Before you buy — what these are not
Neither tool connects to your bank. You type the numbers yourself. That is deliberate: we never see your data, and you notice every expense as you record it, which is exactly where the awareness comes from.
They take about five minutes a week. Not zero. But five minutes is what it costs to stop wondering where your money went.
The investment simulator in Budget & Wealth Builder calculates the assumptions you type in. It does not know what markets will do, and neither does anyone else. These are educational tools, not financial advice, and we do not guarantee any result.
Ready to start?
Pick the one that matches where you are today. You can always come back for the other.