Your balance isn't what you can spend.
Rent, bills and subscriptions have already claimed part of it. MoneyModeLab spreadsheets take those out first and give you one honest number for the month, the week and today.
Most money doesn't disappear. It leaks.
Nobody loses $2,000 in one purchase. It goes a few dollars at a time, on things that feel too small to count.
Small daily spendsA coffee, a snack, a drink on the way home. A $6 coffee five days a week adds up faster than it feels.
$30 a week
Forgotten subscriptionsStreaming, apps and free trials that quietly turned into paid plans, renewing whether you use them or not.
$50 a month
Convenience feesDelivery, service and ATM fees that ride along with things you already wanted to buy.
about $33 a month
Example figures. The free Money Leak Finder works out your own from last month's purchases.
Three steps to your number.
Start with last month's real spending, not a budgeting rule you'll quit in a week.
Find your leaks
Log last month's purchases. The spreadsheet flags every small spend and shows what they cost you per year.
Use your real numbers
Enter your actual income and bills. Your budget describes your life instead of a 50/30/20 rule that doesn't fit it.
Spend with a clear number
Bills, savings and surprises come out first. What's left is your Safe-to-Spend, per month, per week and per day.
Three free games. No signup.
Practice the habits behind the training in a few minutes. Play in your browser, on your phone or computer.
60 secondsLeak Hunter
Tap the small leaks before they drain your month, and let the essentials through.
Pairs with: why money disappears
Play free →
3 minutesSubscription Smash
Cancel, downgrade or keep each subscription before its renewal timer runs out.
Pairs with: finding small recurring leaks
Play free →
5 minutesSurvive the Month
One paycheck, 30 days and surprise costs. Can you make it to payday?
Pairs with: unexpected expenses
Play free →Want the full toolkit? Get the free MoneyModeReset → · All games →
Start free. Upgrade when you're ready.
Both work in Microsoft Excel and Google Sheets, on your computer or phone. Nothing connects to your bank.
MoneyModeReset
Find where your money goes and build a budget on your real numbers.
- Money Leak Finder spreadsheet
- Budgeting 101 guide (PDF)
- Money Leak Cheat Sheet
The Ultimate Money Mode System
Your Safe-to-Spend number, calculated every month, with everything around it in one workbook.
- Safe-to-Spend dashboard with charts
- Bill calendar and subscription tracker
- Surprise fund, savings goals and debt payoff
- Net worth and year overview
- 9 bonus PDF guides and cheat sheets
Questions, answered.
The short version: it's free to start, it works in the tools you already have, and nothing connects to your bank.
Send a message and we'll get back to you. Contact us →
Is the MoneyModeReset really free?
Yes. Enter your email and you get the spreadsheet, the Budgeting 101 guide and the cheat sheet straight away. No card needed.
Do I need Excel?
No. The files work in Microsoft Excel and in Google Sheets, which is free. You can use them on your phone too.
Do I need to connect my bank account?
No. You type in your own numbers, so your bank details stay with you.
What is a Safe-to-Spend number?
It's what's left after bills, debt payments, subscriptions, your surprise fund and savings. It tells you what you can spend this month, this week and today.
How much time does it take?
About 20 minutes to find your leaks, and about 15 minutes a month to keep your numbers up to date.
Is this financial advice?
No. MoneyModeLab shares general education about budgeting and money habits. For advice about your own situation, talk to a qualified professional.
Find your money leaks in 20 minutes.
Get the free MoneyModeReset and see what last month really cost you.
Get the free MoneyModeReset →Sent to your inbox straight away. No card needed.