Cash Envelope System Google Sheets Template, Cash Stuffing Tracker, Sinking Funds, Envelope Budget, Biweekly or Weekly Pay, Dark Mode

Fill your envelopes on payday, spend the cash, log it. The sheet does the math.

Cash Envelope System is a Google Sheets template for the cash envelope method, also called cash stuffing. Give each spending area its own envelope, set how much it gets each payday, and the sheet tells you exactly which bills to pull, what is left in every envelope and when your next stuffing day is. Sinking funds save up for bigger things, and a quick cash count checks that your real envelopes match.

Dark mode is easy on the eyes, even for a late-night spending check.

Example: the filled-in Example version is a sample household, Tasha Greene (a fictional person). She is paid every 2 weeks, $1,640 take-home, and her 13 envelopes get $785 each stuffing day. It is pinned to Tue Nov 10, 2026.
• Cash in envelopes: $1,983.56. Spent since the last stuffing day (Fri Nov 6): $239.02.
• Next stuffing day: Fri Nov 20, in 10 days. Cash to pull: $785, as 35 × $20, 6 × $10 and 5 × $5.
• Swept to savings so far: $260.75, leftover from the Sweep envelopes.
• Sinking funds: $1,374.51 of $3,000 in targets. Holidays $487 of $600 is on track; Summer trip $250 of $1,000 needs $54 a payday.
• Cash count: "✓ Cash count matches: $1,983.56 on Nov 10".
• 46 cash purchases in the Spending Log, from weekly groceries to a gift for Mom.
• 48% of each paycheck goes into envelopes; $855 stays in the bank for bills.

Prefer a bright, clear look? Cash Envelope System Light is in the shop. Same features, different look.
Like paper too? The Cash Envelope Printable Pack has tracker cards, labels and a DIY envelope to print at home.
Want both? The Cash Envelope Bundle has this sheet in dark and light plus the Cash Envelope Printable Pack.
Planning the whole month, bank bills too? The Monthly Budget plans every dollar.
Leftover cash piling up? The Savings Challenge Tracker turns saving it into a game.

★ THIS IS A DIGITAL DOWNLOAD ★
No physical item will be shipped. After purchase you'll download a PDF guide with links to make your own copy of the template in Google Sheets. You need a free Google account to use it.

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WHAT'S INCLUDED
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• Start Here guide PDF with your copy links, quick start steps, tips and FAQ
• EXAMPLE version (a sample household with 13 envelopes and 5 stuffing days)
• BLANK version (ready for your own envelopes)

6 connected tabs:
1. Start Here – 5 quick steps with checkboxes, your first name, how often you're paid, your first stuffing day and your largest bill
2. Dashboard – cash in your envelopes, spent since the last stuffing day, next stuffing day and cash to pull, swept to savings, every envelope with a bar and a status, and your sinking funds
3. Envelopes – up to 16 envelopes, Spending or Sinking fund, the amount per stuffing day, Keep or Sweep for leftovers, targets and target dates, and what is left in each
4. Stuffing Days – one row per payday, up to 53 of them, with a real checkbox for each envelope you fill
5. Cash Plan – the exact bills to pull for each envelope and what to ask the teller for, plus a cash count that checks your envelopes match
6. Spending Log – 300 rows for every cash purchase: date, envelope, what for, amount, and an optional Moved to for shifting cash between envelopes

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FEATURES
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YOUR CASH, AT A GLANCE
• Cash in all your envelopes in one number, worked out for you
• What you have spent since the last stuffing day
• Every envelope with what is left, a bar and a clear status
• The next stuffing day, how many days away, and how much cash to pull

STUFFING DAY, MADE SIMPLE
• Weekly, every 2 weeks, twice a month or monthly: your stuffing days follow your paydays
• Cash Plan lists the bills for each envelope, never above your largest bill
• One line to read at the bank counter: "Ask the teller for: 35 × $20 · 6 × $10 · 5 × $5"
• Tick each envelope as you fill it

KEEP OR SWEEP + SINKING FUNDS
• Keep: leftover cash stays in the envelope. Sweep: move what is left to savings on stuffing day, then refill
• Swept to savings adds up on the Dashboard
• Sinking funds for bigger things like holidays or car repairs, with a target, a date and "on track" or how much more each payday
• Changing an amount? Type the new amount and the day it starts. Earlier stuffing days keep the old amount.

A CASH COUNT YOU CAN TRUST
• Type how many of each bill you have and the coins
• A green tick when your cash matches what the sheet says
• Moving cash between envelopes is logged, so nothing goes missing

MADE TO BE EASY TO KEEP UP
• A few minutes per payday and a quick line per purchase
• Real checkboxes for setup steps and every envelope on every stuffing day
• Lexend font, designed for easier reading
• Blue cells = type here. Everything else fills in by itself.
• No account numbers or passwords, just envelope names and amounts
• Works on your phone in the free Google Sheets app

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HOW IT WORKS
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1. Download the PDF guide after purchase
2. Click the link and choose "Make a copy" (sign in to Google first)
3. On Start Here: add your name, how often you're paid and your first stuffing day, then set up your envelopes (about 20 minutes)
4. Each payday: pull the bills Cash Plan lists, fill and tick each envelope
5. Each purchase: one line on Spending Log. The Dashboard shows what is left.

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GOOD TO KNOW
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• Google Sheets template. Requires a free Google account.
• Built for Google Sheets. You can download it as .xlsx, but some features may look or work differently.
• A gentle note: this is a planning and tracking tool, not financial advice.
• It does not connect to your bank or any account; you type in your own amounts.
• Colors may look slightly different on different screens.
• Because this is a digital product, returns and exchanges aren't accepted. If anything isn't working, message me and I'll help.

PERSONAL USE ONLY. Please don't share, resell or redistribute the files or links.

Designed by Travis McGravis of PracticalHowTo with help from digital tools.

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