Calm by design
Soft colours, plain words and one clear number per screen. Nothing flashes red at you here.
Google Sheets budget template · Made for beginners
No more worrying about your finances
Less money stress. More clarity. Penny Bloom is a simple monthly budget spreadsheet that shows where your money goes — in plain language, with no judgement and no jargon.
One-time purchase · Free lifetime updates · Works with a free Google account
October overview
On trackYou're doing great — keep going
Money in£2,450
Spent£1,830
Saved£620
● Needs 45%
● Wants 27%
● Saved 28%
● Wants 27%
● Saved 28%
Money coming in
Salary
Main job+ £2,100
Main job+ £2,100
Freelance
Design bits+ £280
Design bits+ £280
Side project
Weekend market+ £70
Weekend market+ £70
Total this month£2,450
Where it went
Rent & bills £950
Groceries £320
Transport £110
Fun money £180
Groceries are £40 under budget — nice one.
Savings goals
Emergency fund 65%
£1,300 of £2,000
Holiday 30%
£240 of £800
New laptop 80%
£640 of £800
Getting started
- 1 Make your own copy
- 2 Fill in the yellow boxes
- 3 Check your dashboard
- 4 Repeat each month
DashboardIncomeExpensesSavingsInstructions
Groceries£40 under budget
Saved this month£620 and growing
No judgement✦No jargon✦No subscriptions✦Set up in 10 minutes✦Your data stays yours✦Free updates forever✦No judgement✦No jargon✦No subscriptions✦Set up in 10 minutes✦Your data stays yours✦Free updates forever✦
Good money management and peace of mind can start here, right now ..... today
Most money tools make you feel behind before you’ve even started. This easy expense tracker was designed to do the opposite.
Ready in 10 minutes
Make your copy, type in your income and bills, and watch your month take shape. The formulas are already done.
It does the maths
Totals, leftovers and savings progress update automatically as you type. No calculator, no spreadsheet degree.
Private by default
The file lives in your own Google account. We never see your numbers — they stay yours, always.
How it works
Three small steps towards better money management.
01
Make your copy
After secure delivery is connected, your access instructions will explain how to add the spreadsheet to your own Google Drive.
02
Add your numbers
Pop in your income and usual bills. Friendly labels show what goes where — the soft yellow cells are the only ones you touch.
03
Watch your month bloom
Your dashboard shows what’s safe to spend and how your savings grow, all month long.
Your money plan travels with you — open it in the car, on the beach, or anywhere life takes you. Works on laptop, phone or iPad.
Check your numbers between errands — no desk required, it's easy.
Google Sheets keeps your budget handy wherever you unwind.
What’s inside your spreadsheet
Five friendly tabs, each with one clear item. Click around — this is the real layout you’ll be using.
October overview
On trackYou're doing great — keep going
Money in£2,450
Spent£1,830
Saved£620
● Needs 45%
● Wants 27%
● Saved 28%
● Wants 27%
● Saved 28%
Money coming in
Salary
Main job+ £2,100
Main job+ £2,100
Freelance
Design bits+ £280
Design bits+ £280
Side project
Weekend market+ £70
Weekend market+ £70
Total this month£2,450
Where it went
Rent & bills £950
Groceries £320
Transport £110
Fun money £180
Groceries are £40 under budget — nice one.
Savings goals
Emergency fund 65%
£1,300 of £2,000
Holiday 30%
£240 of £800
New laptop 80%
£640 of £800
Getting started
- 1 Make your own copy
- 2 Fill in the yellow boxes
- 3 Check your dashboard
- 4 Repeat each month
October overview
On trackYou're doing great — keep going
Money in£2,450
Spent£1,830
Saved£620
● Needs 45%
● Wants 27%
● Saved 28%
● Wants 27%
● Saved 28%
Money coming in
Salary
Main job+ £2,100
Main job+ £2,100
Freelance
Design bits+ £280
Design bits+ £280
Side project
Weekend market+ £70
Weekend market+ £70
Total this month£2,450
Where it went
Rent & bills £950
Groceries £320
Transport £110
Fun money £180
Groceries are £40 under budget — nice one.
Savings goals
Emergency fund 65%
£1,300 of £2,000
Holiday 30%
£240 of £800
New laptop 80%
£640 of £800
Getting started
- 1 Make your own copy
- 2 Fill in the yellow boxes
- 3 Check your dashboard
- 4 Repeat each month
DashboardIncomeExpensesSavingsInstructions
What you get — Dashboard, Income, Expenses, Savings and Instructions in Google Sheets
The hero product · Google Sheets template
The Monthly Budget Spreadsheet
A Google Sheets budget template for beginners who want to feel on top of their money — without learning finance first. Type in your numbers; the spreadsheet gently does the rest.
£9.00one-time · yours forever
- ✓Dashboard, Income, Expenses, Savings and Instructions tabs
- ✓Automatic totals and savings progress — no formulas to write
- ✓A plain-English getting-started guide built into the file
- ✓Works on phone, tablet and laptop with free Google Sheets
- ✓Free lifetime updates — every improvement, forever
Get the spreadsheet — £9.00
✓ Secure checkout⚡ Secure access↻ 14-day happiness guarantee
Made for humans, not accountants
Most money tools seem built for people who already love spreadsheets. Penny Bloom is built for everyone else — the tired, the busy, the “I’ll look at it tomorrow” crowd. Soft colours, plain words, and one clear job: helping you feel okay about your money.
Secure checkout
Payments run through an encrypted, PCI-compliant checkout.
Secure access
Secure spreadsheet access will be provided once delivery is connected.
Nothing extra to buy
It runs in free Google Sheets — no apps, no subscriptions, no software.
Growing soon on the Penny Bloom shelf
These are on our workbench right now. The Monthly Budget Spreadsheet is ready today — everything below is coming soon.
Coming soon
Finance Dashboard
A bigger picture of your money — accounts, subscriptions and net worth in one calm view.
Coming soon
Home Maintenance Spreadsheet
Keep repairs, warranties and seasonal jobs around the house neatly in one place.
Coming soon
Habit Tracker
Gentle daily check-ins that help small, good habits actually stick.
Coming soon
The Bloom Bundle
Every template we make, together at a friendlier price — including future releases.
Kind questions, honest answers
Everything beginners usually ask before their first calm month.
Yes — it was built for you. If you can type into a box, you can use this budget. The Instructions tab walks you through every step in plain English, and all the formulas are already in place.
No. Google Sheets is free with any Google account, and the template works completely inside it — on your phone, tablet or laptop.
No. It’s a one-time purchase. The spreadsheet is yours forever, and every future update to it is included free.
Secure access instructions will be added once delivery is connected, with guidance for saving your own copy in Google Drive.
It’s designed for Google Sheets, where everything works best. It may open in Excel, but we recommend Sheets for the full, friendly experience.
Completely. Your copy of the spreadsheet lives in your own Google account. We never see, store or touch your numbers.
Then we’ll make it right. There’s a 14-day happiness guarantee — just reply to your receipt email and we’ll refund you, no awkward questions.
Ready to feel calm about money?
One simple monthly budget spreadsheet. One small step tonight. A much lighter feeling tomorrow.
Get the spreadsheet — £9.00One-time purchase · 14-day happiness guarantee