Budget Spreadsheet Bundle Google Sheets - 6 Templates: Budget Planner 2027, Subscriptions, Couples, Family, Freelancer, FIRE

Budget spreadsheet bundle: all 6 GetNeatNumbers Google Sheets templates (Personal Budget, Subscriptions, Couples, Family, Freelancer and FIRE) in one purchase.

For anyone who wants one system for the whole financial picture: monthly budget, subscriptions, shared bills, family spending, freelance taxes and FIRE goals. Each template imports your bank CSV and categorizes transactions automatically. None is tied to a year, so they work for 2027 and beyond.

What you get and what you need:

- 6 Google Sheets templates, not fillable PDFs or Excel files
- One PDF download that contains the links to make your own copies of all 6 templates in your Google Drive, plus setup instructions
- A free Google account is required
- Works in any web browser on a computer. Import your bank CSV on a computer; after that you can view and update them on your phone or tablet in the free Google Sheets app

What's Included: The Complete 6-Template Suite

All six templates come with built-in CSV import from any bank, automatic transaction categorization, recurring payment detection, and live dashboard charts. They're built on the same core engine, so you can skip templates you don't need and combine multiple templates when your financial situation gets more complex.

1. Personal Budget & Spending Analyzer - Your foundational expense tracker with auto-categorization, recurring payment detection, and 3-month forecasting. Tracks 16 spending categories, compares budget vs. actual, imports from any bank (Chase, Bank of America, Wise, Revolut, etc.), and shows live dashboards with spending trends and merchant breakdowns.

2. Subscription & Recurring Payments Finder - Stop losing money to forgotten subscriptions. This focused tool automatically detects recurring charges (streaming, software, memberships), categorizes them across six subscription types, and displays a 12-month renewal calendar so you never miss a charge. Dashboard shows monthly cost, annual total, and highest-cost subscriptions at a glance.

3. Couples / Shared Expenses Tracker - End the "who owes whom?" arguments. Import both partners' bank statements, set per-category split rules (50/50 for most, 70/30 for rent, or any ratio), and get a clear settlement calculation: "Sarah owes Marcus $243.50." Includes recurring payment tracking and an end-of-month balance forecast.

4. Freelancer Income & Expense Tracker - Built for independent contractors and business owners. Categorize client income and deductible business expenses separately, calculate quarterly tax reserves (customizable rate, default 25%), and track next quarterly due dates (April 15, June 15, September 15, January 15 in the US). Includes tax rate cell and illustrative estimates—see disclaimer below.

5. Family Budget Planner - Designed for parents managing household finances. Pre-configured categories cover childcare, school tuition, kids' activities, pet care, household supplies, and family outings. Compare budgeted vs. actual spending, with over-budget categories highlighted in red, and spot opportunities to cut costs before month-end.

6. Savings Goals & FIRE Projection - Set as many savings goals as you want (vacation, house down payment, early retirement) and track real progress. The FIRE Projection sheet calculates your years to financial independence using a closed-form compound-growth formula based on your actual income, expenses, and savings rate. Dashboard shows savings rate, years to FI, and goal progress in real time.

Why Bundle Instead of Buying Separately?

Buy the templates separately: €14.99 + €7.99 + €17.99 + €19.99 + €17.99 + €19.99 = €98.94

Get the complete bundle: €44.99 — a €53.95 savings (55% off)

Choose this bundle if you plan to use multiple templates or want to upgrade your financial management system all at once. Each template is fully independent; use one, two, three, or all six—they all share the same familiar interface and automatic categorization rules.

Features Common to All Templates

- Works with any bank CSV that has a header row — Import exactly as downloaded (File › Import › Append) from Chase, Bank of America, Barclays, Revolut, Wise, credit unions, or any financial institution. No API keys, no data sent to the cloud, no subscriptions.
- Automatic transaction categorization — About 100 built-in merchant keyword rules per template. Pick a category once per merchant in Review to add your own rule, or change a single transaction in Transactions.
- Recurring payment detection — Smart pattern-matching identifies subscriptions and standing orders, detects varying amounts and frequencies (weekly, biweekly, monthly, quarterly, annual), and shows when each is next expected or overdue.
- Date and amount parsing — Detects DMY, MDY, or ISO date formats once per file (and tells you if they're ambiguous), handles either decimal separator (. or ,), and has one checkbox for credit-card exports where charges are positive.
- Live dashboards with 5 charts — See spending trends, category breakdowns, top merchants, and recurring payments at a glance. Charts update automatically as you add new transactions.
- Forecast — Projects your end-of-month balance (from your opening balance) and each category's spending for the next 3 months, using the same month last year once you have 13 months of history.
- Review by merchant — Each uncategorized merchant appears once; picking a category creates a permanent rule so that merchant categorizes correctly from then on.

How to Use

1. Open each template's copy link from its instructions PDF (six separate Google Sheets files)
2. Make copies of whichever templates you need—use one, some, or all six
3. Import your bank CSV files into the Import slots exactly as downloaded, header rows included (A–E, one per account)
4. The templates parse dates, amounts, and merchant names automatically
5. In Review, pick a category for each merchant the rules didn't recognize
6. Dashboards, forecasts, and charts update live—no manual work needed beyond reviewing transactions

License & Disclaimers

Try it before you buy (view-only demo, personal-budget): https://docs.google.com/spreadsheets/d/14Y5M2XYlSWiUKcgFJXXb3r5leFULdhZSJL5h_HtJRSY/view
Try it before you buy (view-only demo, subscriptions): https://docs.google.com/spreadsheets/d/1N3AOhRh4uUePisMMEzMnGqsc6-_X4JREFw4BARsU3c8/view
Try it before you buy (view-only demo, couples): https://docs.google.com/spreadsheets/d/1kigsltGR2id71tQIGs2fIRZhLPH06BVJpf6bhkpDiLc/view
Try it before you buy (view-only demo, freelancer): https://docs.google.com/spreadsheets/d/142O57yHU7ms0n8LL9pJLPnzY1CqpOoC8OUihiV6_3zU/view
Try it before you buy (view-only demo, family): https://docs.google.com/spreadsheets/d/1WncLT1SYO5QK96NVqXqbD_MBuThQh256PmCjqnwr2xE/view
Try it before you buy (view-only demo, fire): https://docs.google.com/spreadsheets/d/1MTsesdJT3cEDJJZ16j67Qrq4ZFfNARR-ltaPdVS0Vcc/view

For personal use only. Not for resale or redistribution. © GetNeatNumbers 2026.

Tax Disclaimer (for the Freelancer Income & Expense Tracker only): The tax set-aside feature is an illustrative estimate only and not tax advice, financial advice, or legal advice. Tax rates and estimated quarterly payment obligations vary by country, state, income level, and business structure. You are solely responsible for confirming your actual tax rate, quarterly payment requirements, and deadline dates with a qualified tax professional or your local tax authority.

Financial Projections Disclaimer (for the Savings Goals & FIRE Projection template only): The FIRE projections in this template are illustrative estimates based on simplified assumptions (constant annual return rate, constant annual contribution, no volatility modeling). They are not guaranteed investment returns and should not be considered financial advice. Actual market returns vary, investing carries risk, and you should consult a qualified financial advisor before making major financial decisions.