MoneyModeLabMoney ModeSpreadsheet EditionGet the spreadsheet →
Excel + Google Sheets

Know what you can spend
before you spend it.

Your Safe-to-Spend number, calculated every month, with your bills, subscriptions, surprises, savings and debt in one simple workbook.

✓ Excel and Google Sheets✓ No bank login✓ 15 minutes a monthPrefer the app? See the Money Mode System, $40 a year or $5 a month
TABS12+ 9 GUIDES
Rent is due Friday$1,250 already set aside
SAFE TO SPEND THIS MONTH$806
Week $186Today $27
Subscriptions checked · $89/mo
Debt Payoff Playbook
Quick-Start Guide
Surprise Expense Checklist
Your order

Get instant access.

One payment. The download link arrives by email within minutes.

Your details

Payment

Your order
Money Mode Spreadsheet Edition dashboard showing the Safe-to-Spend numberMoney Mode Spreadsheet Edition
  • 12-tab workbook for Excel and Google Sheets
  • Safe-to-Spend dashboard
  • 9 bonus PDF guides and cheat sheets
  • One-time payment
Secure checkout. Your payment is encrypted.
After you pay
01
Complete your payment.

It takes about a minute.

02
Check your inbox.

Your download link arrives by email right after payment.

03
Start with the Quick-Start Guide.

Open the workbook in Excel or Google Sheets. About 30 minutes, and you'll know your Safe-to-Spend number.

What's inside

Everything in one workbook.

12 connected tabs that do the math for you, plus a bonus pack of 9 guides, printables and cheat sheets.

Your numberSee what you can spend
01
Start Here

Step-by-step setup. Enter your income and bills once, in about 30 minutes.

02
Dashboard

Your Safe-to-Spend number for the month, the week and today, where your income goes, and how much of your number you've already used.

03
Monthly Reset

A guided 15-minute checklist you follow once a month, step by step.

Your moneyKnow where it goes
04
Income & Bills

All your income and fixed bills, including debt payments, in one place.

05
Bill Calendar

Every bill and debt payment on its due date, so nothing sneaks up on you.

06
Spending Log

Log what you spend. Small leaks are flagged automatically.

07
Subscriptions

An audit of everything you pay for, so you can cancel what you don't use.

Your futurePlan ahead without stress
08
Surprise Fund

Turns yearly and "unexpected" costs into one small monthly amount.

09
Savings Goals

Track each goal and how much to set aside every month.

10
Debt Tracker

Builds your payoff plan with the snowball or avalanche method and warns you when a payment is too low to make a dent.

11
Net Worth

What you own minus what you owe, so you can watch it grow.

12
Year Overview

Your whole year at a glance, month by month.

Included freeThe bonus pack: 9 guides and printables
  • Quick-Start GuideSet up the system in about 30 minutes.
  • 15-Minute Monthly Reset PrintableYour monthly checklist on one page.
  • Debt Payoff PlaybookSnowball vs. avalanche, and how to pick.
  • Subscription & Bill Cut KitWord-for-word scripts to lower your bills.
  • Surprise Expense ChecklistThe costs that aren't really unexpected.
  • 4 cheat sheetsSafe-to-Spend, Debt Payoff, Money Leaks and the 10 Money Mode Rules.
✓ Microsoft Excel and Google Sheets✓ Computer or phone✓ No macros✓ Nothing connects to your bank
The monthly reset

15 minutes,
once a month.

No daily tracking. No spreadsheet marathon.

1–5
Log the month.

Add anything you missed and update bills that changed.

6–10
Check subscriptions.

Didn't use it last month? Cancel it now.

11–15
Fund the future.

Move money to surprises and savings, then read your new number.

Questions

Good to know.

Do I need Excel?

No. It works in free Google Sheets too.

Do I connect my bank?

Never. You type in your own numbers.

How long does it take?

About 30 minutes to set up, then 15 minutes a month.

Is it a subscription?

No. One payment, yours to keep.

What if I get stuck?

Write to info@getmoneymode.com and we'll help.

© 2026 MoneyModeLab · Educational content only, not financial advice.Privacy policy · Terms & refunds · Contact