100 Envelope Challenge Spreadsheet, Savings Challenge Tracker, Save 5050, Money Saving Challenge, Google Sheets & Excel, 10 Languages

The 100 envelope challenge without 100 paper envelopes. Envelope 1 holds $1, envelope 100 holds $100: fill all of them and you have saved $5,050.

Pick any envelope that is still empty, put that amount aside and type the date next to it. On the dashboard the envelope turns green and every total updates.

WHAT YOU SEE ON THE DASHBOARD
• All 100 envelopes in a 10 × 10 grid: green with the date once filled
• Saved so far, envelopes filled and the share of the money
• Left to save and envelopes to go
• How much a week keeps you on time for your finish date
• When you will finish at the pace you are going, and whether that is on time
• Saved by month
• Milestones: the dates you reached 25%, 50%, 75% and 100%
• Today's envelope: one of the empty envelopes picked for you, a new one every day
• The smallest and largest envelopes left

MAKE IT YOURS
• Change how much envelope 1 holds: 0.50 for a $2,525 challenge, 2 for $10,100, or any amount
• Your own start date and finish date
• Write what you are saving for: it shows on the dashboard

WHAT'S INSIDE
Dashboard · Envelopes (the only input sheet) · Settings (currency, amounts, dates) · How to use

10 LANGUAGES IN ONE FILE
English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी. Pick a language on the dashboard and every label switches. Arabic comes as a separate right-to-left file.

ANY CURRENCY
Pick yours in Settings: $, €, £, ₹, zł, R$, ₪, ¥ and 27 more.

FOUR LOOKS, ONE PURCHASE
Night (dark), Garden (light), Pastel (soft lavender) and Emerald (deep green): all four are in your download, with the same formulas in every look.

WHAT YOU GET
Instant download: a START HERE guide (PDF) and two ZIP archives (Excel + Arabic, and Apple Numbers) with a folder for every app:
1 Excel: Night, Garden, Pastel and Emerald for Microsoft Excel on Windows and Mac. Every file opens on your empty planner, with a filled Example tab right after it
2 Apple Numbers: the same 4 looks, each with the Example, for Numbers on Mac, iPhone and iPad
3 Arabic: right-to-left files (all 4 looks, each with the Example)
4 App: the same planner as an app for any computer (Chrome, Edge, Safari, Firefox), plus a link to install it on your phone (iPhone, iPad, Android). Works without internet, keeps entries on your device, backup file, transfer to another device with a short series of encrypted QR codes (very large planners use the backup file), and import and export with your Envelo Excel file. Protected by ZeroUpload: the app works on your device, and your entries are never uploaded.
Google Sheets: the START HERE guide has a button for every look. One click makes your own private copy.

WHICH FILE SHOULD I USE?
• Windows PC: the Excel files, or Google Sheets in your browser.
• Mac: Excel for Mac, Apple Numbers, or Google Sheets in Safari or Chrome.
• iPhone, iPad, Android: the Google Sheets app, or Apple Numbers on iPhone and iPad.
In Excel only the cells you type in can be changed. In Google Sheets the formulas are protected: Google warns you before anything changes. In Apple Numbers the Dashboard is locked as a whole.

PLEASE NOTE
• This is a digital download. Nothing will be shipped. No paper envelopes are included.
• Decorative illustrations and the laptop backgrounds in the photos were made with AI image tools. Every planner screen you see is the real file.
• For personal use. Please don't resell or share the files.
• Your planner starts empty. The Example tab in the same file (38 envelopes already put aside) shows how it works.

Questions? Send us a message on Etsy.