Savings Challenge Tracker Excel & Google Sheets, 52 Week + 100 Envelope Challenge, Savings Goal Tracker, No Spend Tracker | Neutral Cream

Eight savings challenges in one board – 52-week, reverse 52-week, 100 envelopes, 365-day, or your own goal saved weekly, bi-weekly, monthly or daily. Pick one, set the amount, and tick each deposit as you put the money aside. The dashboard shows what you've saved, whether you're ahead or behind schedule, your next deposit and when you'll finish at your pace – plus your savings goals with the monthly amount each one still needs, and a no-spend day tracker with streaks.

This listing is the Editorial design (neutral cream look). Same features also available in Midnight and Blush – see my shop.

━━━ WHAT YOU GET ━━━
• Savings Challenge for Microsoft Excel (.xlsx)
• Google Sheets version – a PDF with your personal 'Make a copy' link
• A second copy filled with sample data, so you can explore every feature first

━━━ 7 TABS ━━━
• Start: quick guide
• Setup: currency, challenge type, start date, amount or goal, which goal the challenge saves into
• Dashboard: challenge saved, progress, ahead or behind, next deposit, all goals, goals on track, this month, no-spend days – plus insights and 2 charts
• Challenge: the board: every deposit with its amount and a tick box, due ones highlighted
• No-spend: a year of days to tick, with days per month
• Goals: target, date, saved, progress, still needed, per month needed vs saved, status
• Deposits: money added to (or taken from) each goal

━━━ GOOD TO KNOW ━━━
• 8 challenge types – switch any time
• Works with 14 currencies
• Savings goals and no-spend tracker included
• Plain-English insights – the file tells you what your numbers mean
• 14 currencies: USD, EUR, GBP, CAD, AUD, NZD, CHF, SEK, NOK, DKK, PLN, JPY, INR, ZAR
• White cells are yours, shaded cells calculate automatically
• Excel version: sheets protected without a password, so formulas can't break by accident
• Dropdowns and input checks keep your data clean
• All text in English

━━━ WORKS WITH ━━━
• Microsoft Excel 2010 or newer (Windows & Mac), Microsoft 365
• Google Sheets (free, needs a Google account)
• Not tested in Apple Numbers or LibreOffice

━━━ HOW IT WORKS ━━━
1. Download the files after purchase (Etsy → Purchases).
2. Excel: open the .xlsx file. Google Sheets: open the PDF and click the link – Google makes your own copy.
3. Fill in Setup (2 minutes) and start logging.

━━━ PLEASE NOTE ━━━
• This is a digital download – nothing will be shipped.
• Images show the sample-data version. Your file starts empty.
• For personal use. Please don't resell or share the files.

Questions? Send me a message – I'm happy to help.