# BoldRowStudio: full product descriptions > BoldRowStudio makes Excel and Google Sheets templates that do the math for you: budgets, sinking funds, invoices, net worth, rental property, wedding and planner spreadsheets. Instant digital downloads sold on Payhip. BoldRowStudio sells spreadsheet templates only (Excel .xlsx files that also work in Google Sheets). Each product is an instant digital download; nothing is shipped. Checkout happens on Payhip. There are no customer reviews yet, so none are listed. ## Variable Income Budget Planner: Freelancer & Gig Worker Budget Spreadsheet (Excel + Google Sheets) Price: $14.00 USD Buy: https://payhip.com/b/89tLa Page: https://boldrowstudio.pages.dev/products/variable-income-budget/ The Variable Income Budget Planner is a spreadsheet template for Microsoft Excel and Google Sheets that helps you budget when your income changes from month to month. It's made for freelancers, gig workers, creators and commission earners who want a baseline budget, an income buffer and a steady monthly salary they pay themselves. WHAT'S INCLUDED • Variable-Income-Budget-Planner_BLANK.xlsx: ready for your numbers • Variable-Income-Budget-Planner_EXAMPLE.xlsx: filled with sample data so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 8 TABS Start Here (built-in quick-start notes) · Setup · Baseline Budget · Income Log · Expense Log · Monthly Tracker · Income Smoothing · Dashboard Room for 500 income entries, 500 expenses and 30 categories. Dropdown menus, locked formula cells (no password, so you can customize) and frozen headers. KEY FEATURES • Know your number: set a bare-minimum budget and an ideal budget, so lean months aren't scary • Smooth out the ups and downs: Income Smoothing shows your buffer balance, runway and status every month • Tax set-aside built in: every payment you log automatically sets aside your chosen tax % • See the whole year: a 12-month tracker compares actual spending with your baseline budget • A dashboard that updates itself: KPIs plus 4 charts (income vs spending, buffer, categories, income sources) • No formulas to write: type in the blue cells, everything else calculates HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your income sources, payment methods and budget year in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Amounts are shown in US dollars ($). Any currency works; change the cell format if you like. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Couples Bill Splitter: Fair Shared Expense Tracker by Income Ratio (Excel + Google Sheets) Price: $12.00 USD Buy: https://payhip.com/b/TQ01Z Page: https://boldrowstudio.pages.dev/products/couples-bill-splitter/ The Couples Bill Splitter is a spreadsheet template for Microsoft Excel and Google Sheets that splits shared expenses between two people by income ratio, a custom percentage or 50/50, and shows who owes whom. It's for couples (or any two people sharing costs) who want a fair, simple way to track shared bills and settle up. WHAT'S INCLUDED • Couples-Bill-Splitter_BLANK.xlsx: ready for your numbers • Couples-Bill-Splitter_EXAMPLE.xlsx: filled with sample data so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 8 TABS Start Here (built-in quick-start notes) · Setup · Expense Log · Recurring Bills · Settle Up · Monthly View · Yearly View · Dashboard Room for 500 expenses, 200 pay-backs and 30 recurring bills. Your names appear in every dropdown and heading. Works for roommates too. KEY FEATURES • Fair by design: split by income ratio (e.g. 58% / 42%), a custom %, or 50/50 • Per-expense flexibility: mark any item as Default split, 50/50, Personal, or Paid for partner • Instant answer: "Jordan owes Alex $85.40" updates as you log expenses and pay-backs • Plan fixed bills: Recurring Bills shows each partner's fair monthly contribution (great for a joint account) • Monthly and yearly views: pick any month, or see the whole year with a running balance • Dashboard with 4 charts: who paid each month, spending by category, paid vs fair share, running balance HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. Easy to share with your partner. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. It's also the easy way to share one file with your partner. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your names, expense categories and split method in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Amounts are shown in US dollars ($). Any currency works; change the cell format if you like. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Wedding Budget Planner: Budget vs Actual, Vendor Payment Schedule & Guest Count (Excel + Google Sheets) Price: $16.00 USD Buy: https://payhip.com/b/wcAXH Page: https://boldrowstudio.pages.dev/products/wedding-budget-planner/ The Wedding Budget Planner is a spreadsheet template for Microsoft Excel and Google Sheets that tracks your wedding budget against actual spending, vendor payments and due dates, your guest count and your cost per guest. It's for engaged couples, and the family or planners helping them, who want every wedding cost in one place. WHAT'S INCLUDED • Wedding-Budget-Planner_BLANK.xlsx: ready for your numbers • Wedding-Budget-Planner_EXAMPLE.xlsx: filled with sample data so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 8 TABS Start Here (built-in quick-start notes) · Setup · Budget · Line Items · Payment Schedule · Guest List · Cost Per Head · Dashboard Room for 200 line items, 150 payments and 300 guest invitations. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • Budget vs actual by category: 17 categories with typical % splits pre-filled (change them anytime) • Line items: track every quote and purchase. Current cost switches from estimate to actual automatically • Vendor payment schedule: deposits and balances flag OVERDUE and Due soon based on today's date • Guest list with RSVPs, meal choices and table numbers • Cost per head: see what each guest really costs, plus a what-if table for 75 to 200 guests • Dashboard: countdown, totals, payments due over the next 9 months, and RSVP and budget charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. Easy to share with your partner or planner. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. It's also the easy way to share the file with your partner or planner. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your names, wedding date, total budget, meal options and guest groups in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Amounts are shown in US dollars ($). Any currency works; change the cell format if you like. • Makes a thoughtful engagement gift. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Rental Property Tracker: Rent Log, Expenses, Schedule E Summary & ROI for Landlords (Excel + Google Sheets) Price: $19.00 USD Buy: https://payhip.com/b/QHgYu Page: https://boldrowstudio.pages.dev/products/rental-property-tracker/ The Rental Property Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that tracks rent, expenses, cash flow, ROI and cap rate for up to 10 rental properties, with a Schedule E summary for tax time. It's for small landlords and new real estate investors who want clear numbers without paying for property-management software every month. WHAT'S INCLUDED • Rental-Property-Tracker_BLANK.xlsx: ready for your properties • Rental-Property-Tracker_EXAMPLE.xlsx: a sample 3-property portfolio so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 10 TABS Start Here (built-in quick-start notes) · Settings · Properties · Tenants · Rent Log · Transactions · Schedule E Summary · Cash Flow · ROI & Cap Rate · Dashboard Room for 10 properties, 50 tenants, 600 rent entries and 1,000 transactions per file. KEY FEATURES • Rent Log: rent due, late fees, amount paid and status (Paid, Paid late, Partial, Unpaid) for every unit, every month • Transactions: every expense and other income, by property. Pick a category and the Schedule E line fills in automatically • Schedule E Summary: income and expenses per property, grouped by IRS Schedule E line, for you or your tax preparer • Cash Flow: monthly cash flow for one property or your whole portfolio (dropdown) • ROI & Cap Rate: NOI, cash flow, cap rate (on purchase price and on current value), cash-on-cash return and expense ratio • Tenants: leases, contacts and deposits, with "Renew soon" alerts 60 days before a lease ends • Dashboard: portfolio KPIs plus 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your tax year, rent due day, grace period and expense categories (each mapped to a Schedule E line) in the blue cells on the Settings tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • A record-keeping tool, not tax, legal or investment advice. Confirm tax treatment with your tax professional. • Amounts are shown in US dollars ($). Schedule E categories follow the US IRS form. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Quarterly Estimated Tax Tracker: Self-Employed Income, Expenses & Mileage Log (Excel + Google Sheets) Price: $16.00 USD Buy: https://payhip.com/b/OCNW8 Page: https://boldrowstudio.pages.dev/products/quarterly-tax-tracker/ The Self-Employed Quarterly Tax Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that logs your business income, expenses and mileage and works out what to set aside and pay for each IRS estimated-tax period. It's for US freelancers, 1099 contractors, consultants, creators and side-business owners who pay quarterly estimated taxes. WHAT'S INCLUDED • Self-Employed-Quarterly-Tax-Tracker_BLANK.xlsx: ready for your numbers • Self-Employed-Quarterly-Tax-Tracker_EXAMPLE.xlsx: a sample freelance business so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 8 TABS Start Here (built-in quick-start notes) · Setup · Income Log · Expense Log · Mileage Log · Quarterly Taxes · Schedule C Summary · Dashboard Room for 500 income entries, 500 expenses, 500 trips and 40 payments per file. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • IRS quarterly deadlines built in: the 4 payment periods (Jan-Mar, Apr-May, Jun-Aug, Sep-Dec) with due dates, rolled past weekends • Set-aside percentage: federal + state % applied to each period's net profit, or switch to the safe-harbor method (100% / 110% of last year's tax) • Payment log: record federal and state payments; each quarter shows Paid, Due in X days or OVERDUE • Expense log with business-use % (phone, internet), meals counted at 50% and a missing-receipt counter • Mileage log: round trips double automatically and the IRS rate switches on its change date (2026 rates pre-filled: $0.725, then $0.76 from Jul 1) • Schedule C summary: deductions by quarter grouped by typical Schedule C line, plus simplified home office • Dashboard: next deadline, income, deductions, net profit, tax paid and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. Easy to share with your bookkeeper. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. It's also an easy way to share the file with your accountant. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your expense categories, deductible percentages, set-aside percentages and mileage rates in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • A record-keeping tool, not tax advice. Set-aside percentages are estimates; confirm with your tax professional. • US-focused: IRS payment periods, Schedule C lines and IRS mileage rates. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Couples Savings Goals & Debt Payoff Planner: Snowball vs Avalanche (Excel + Google Sheets) Price: $14.00 USD Buy: https://payhip.com/b/ZAXYl Page: https://boldrowstudio.pages.dev/products/couples-goals-debt-payoff/ The Couples Savings Goals & Debt Payoff Planner is a spreadsheet template for Microsoft Excel and Google Sheets that tracks shared savings goals and compares the debt snowball and avalanche methods to show your debt-free date. It's for couples who save and pay off debt together, and it works for one person too. WHAT'S INCLUDED • Couples-Savings-Goals-Debt-Payoff-Planner_BLANK.xlsx: ready for your numbers • Couples-Savings-Goals-Debt-Payoff-Planner_EXAMPLE.xlsx: filled with sample data so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 9 TABS Start Here (built-in quick-start notes) · Setup · Savings Goals · Contributions · Debts · Payoff Plan · Snowball Schedule · Avalanche Schedule · Dashboard Room for 12 goals, 500 contributions and 8 debts, with payoff plans up to 30 years. Works for one person too. KEY FEATURES • Snowball vs avalanche, side by side: months to debt-free, debt-free date, total interest and which debt goes first • Month-by-month payoff schedules for both methods: minimums on everything, extra money rolls to the next debt as each one is paid off • Each debt's payoff month under both plans, plus a warning if a minimum payment doesn't cover the interest • Up to 12 shared savings goals: progress, amount still needed, months left, needed per month and On track / Behind status • See who's contributing: each goal splits deposits by Partner 1, Partner 2 and Joint • Dashboard: debt-free countdown, total saved, goal progress, interest saved and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. Easy to share with your partner. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. It's also the easy way to share one file with your partner. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your names, goal categories and monthly debt budget in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • The payoff plan assumes fixed interest rates and no new charges. Update balances monthly for the most accurate dates. • Amounts are shown in US dollars ($). Any currency works; change the cell format if you like. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Wedding Guest List & Seating Chart Planner: RSVPs, Meals, Addresses & Thank-Yous (Excel + Google Sheets) Price: $15.00 USD Buy: https://payhip.com/b/Cjkmh Page: https://boldrowstudio.pages.dev/products/wedding-guest-seating-planner/ The Wedding Guest List & Seating Planner is a spreadsheet template for Microsoft Excel and Google Sheets that tracks RSVPs, meal choices, plus-ones, table seating, invitation addresses and thank-you notes. It's for engaged couples and wedding planners who want the whole guest list in one organized file (it doesn't do budget tracking). WHAT'S INCLUDED • Wedding-Guest-List-Seating-Planner_BLANK.xlsx: ready for your guests • Wedding-Guest-List-Seating-Planner_EXAMPLE.xlsx: a sample 48-invitation wedding so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 9 TABS Start Here (built-in quick-start notes) · Setup · Addresses · Guest List · Tables · Seating Chart · Meals · Gifts & Thank-Yous · Dashboard Room for 200 invitations, 400 guests, 30 tables and 300 gifts. No budget tracking: this one is all about your people. KEY FEATURES • Guest list: side, group, adult/child, RSVP, meal choice, dietary notes, plus-one allowed / name / coming / meal, and table number • Live headcount: invited (max), attending, declined and awaiting reply, with plus-ones counted correctly • Seating chart that builds itself: printable table cards list who sits where, with seats assigned vs. table size • Tables tab: seats, assigned, confirmed and seats left, with "Over by" warnings • Meals: totals for your caterer, a table-by-meal grid and every dietary note in one list • Address list: one row per invitation with save-the-date and invite sent, replies so far and a ready-to-print envelope line • Gifts & thank-yous: who gave what, note due date (based on before/after the wedding) and Sent / Due soon / Overdue • Dashboard: countdown, RSVP progress and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. Easy to share with your partner or planner. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. It's also the easy way to share the file with your partner, family or planner. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your names, wedding date, meal options and guest groups in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Makes a thoughtful engagement gift. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Landlord Maintenance & Lease Tracker: Work Orders, Vendors, Renewals & Deposits (Excel + Google Sheets) Price: $18.00 USD Buy: https://payhip.com/b/zKCY8 Page: https://boldrowstudio.pages.dev/products/landlord-maintenance-tracker/ The Landlord Maintenance & Lease Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that tracks repair work orders, vendors, routine maintenance, rental applicants, lease renewals and security deposits. It's for small landlords and self-managing owners with up to 20 units. WHAT'S INCLUDED • Landlord-Maintenance-Lease-Tracker_BLANK.xlsx: ready for your units • Landlord-Maintenance-Lease-Tracker_EXAMPLE.xlsx: a sample 8-unit portfolio so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 9 TABS Start Here (built-in quick-start notes) · Setup · Work Orders · Vendors · Maintenance Schedule · Applicants · Leases · Deposits · Dashboard Room for 20 units, 300 work orders, 50 vendors, 60 recurring tasks, 100 applicants, 50 leases and 50 deposits. KEY FEATURES • Work orders: unit, issue, category, priority, vendor, status, scheduled and completed dates, cost and who pays (owner, tenant charge, warranty, insurance) • Late flags: jobs open longer than your target for their priority (Emergency, High, Normal, Low) are highlighted • Vendors: contacts, rates, rating, insurance or license expiry alerts, jobs done, total spent and average turnaround • Maintenance schedule: filters, HVAC service, smoke detectors, gutters and more. Next due date and Overdue / Due in 30 days status calculate from the last-done date • Tenant screening: income-to-rent ratio, credit score, background and references checked against your own written criteria • Leases: notice deadlines, "Send notice now" alerts, renewal decisions, proposed rent and % increase • Deposits: amount held, move-out deductions, refund due and return-by date with OVERDUE alerts • Dashboard: what needs attention now, repair spend by category and unit, and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your units, repair categories, priorities and maintenance frequencies in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • A record-keeping tool, not legal advice. Notice periods, deposit deadlines and screening rules vary by state and city. • Apply the same screening criteria to every applicant; the template doesn't collect protected-class information. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Money Templates Bundle: 5 Budget, Couples, Wedding, Rental & Invoice Spreadsheets (Excel + Google Sheets) Price: $45.00 USD Buy: https://payhip.com/b/5HmXD Page: https://boldrowstudio.pages.dev/products/money-templates-bundle/ The Money Templates Bundle is a set of 5 spreadsheet templates for Microsoft Excel and Google Sheets: the Variable Income Budget Planner, Couples Bill Splitter, Wedding Budget Planner, Rental Property Tracker and Freelance Invoice & Payment Tracker. It's for anyone who wants more than one of these money planners, at about 41% off buying them separately. WHAT'S INCLUDED One ZIP file with a folder for each template. Every template comes in a BLANK version for your own numbers, an EXAMPLE version filled with sample data, and a PDF setup guide for Excel and Google Sheets. 1. Variable Income Budget Planner: for freelancers, gig workers and commission earners. Baseline budget, income-smoothing buffer, 12-month tracker, dashboard. 2. Couples Bill Splitter: split by income ratio, custom % or 50/50, a live who-owes-whom balance, monthly and yearly views. 3. Wedding Budget Planner: budget vs actual, vendor payment schedule with due-date alerts, guest list, cost per head, dashboard. 4. Rental Property Tracker: rent log, expenses by property, Schedule E summary, cash flow, ROI and cap rate for up to 10 rentals. 5. Freelance Invoice & Payment Tracker: for freelancers and solo service businesses. Invoice log with automatic Paid, Due soon and Overdue status, partial payments, aging report, client totals, invoiced vs collected by month, dashboard. Every template has a built-in Start Here tab, dropdown menus, locked formula cells (no password) and a dashboard with charts. WHAT YOU SAVE Bought separately: Variable Income Budget $14 · Couples Bill Splitter $12 · Wedding Budget Planner $16 · Rental Property Tracker $19 · Invoice & Payment Tracker $15 = $76. Bundle price: $45. You save $31 (about 41%). HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. Unzip the file on a computer (double-click on Mac, or right-click > Extract All on Windows). 3. Open any BLANK file in Excel, or upload it to Google Drive and open it with Google Sheets (each PDF guide shows the steps). 4. Start on the Start Here tab, type your numbers into the blue cells, and the formulas, summaries and dashboard charts update automatically. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free) ✘ Not designed for Apple Numbers or phone screens FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. The templates work in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. They aren't designed for Apple Numbers. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download the ZIP file on a computer and unzip it (double-click on Mac, or right-click > Extract All on Windows). Each template has its own folder with a PDF setup guide. Q: Can I customize it? A: Yes. Enter your own details in the blue cells (names, categories and dropdown lists live on each template's Setup or Settings tab) and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: How is this different from the Complete Mega Bundle? A: This bundle has 5 money templates for $45. The Complete Mega Bundle has all 11 BoldRowStudio templates, including these 5, for $89. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • Digital product. Nothing will be shipped. • For personal use. Please don't share or resell the files. • The rental and invoice trackers are record-keeping tools, not tax or accounting advice. • The invoice tracker tracks invoices you create in any tool. It doesn't create or send invoices. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Planner Templates Bundle: Quarterly Taxes, Couples Goals, Wedding Seating & Landlord Maintenance (4 Spreadsheets) Price: $39.00 USD Buy: https://payhip.com/b/ozfe7 Page: https://boldrowstudio.pages.dev/products/planner-templates-bundle/ The Planner Templates Bundle is a set of 4 spreadsheet templates for Microsoft Excel and Google Sheets: the Self-Employed Quarterly Tax Tracker, Couples Savings Goals & Debt Payoff Planner, Wedding Guest List & Seating Planner and Landlord Maintenance & Lease Tracker. It's for anyone who wants more than one of these planners, at about 38% off buying them separately. WHAT'S INCLUDED One ZIP file with a folder for each template. Every template comes in a BLANK version for your own numbers, an EXAMPLE version filled with sample data, and a PDF setup guide for Excel and Google Sheets. 1. Self-Employed Quarterly Tax Tracker: IRS quarterly due dates, set-aside % or safe harbor, payment log, expense log, mileage log, Schedule C summary. 2. Couples Savings Goals & Debt Payoff Planner: snowball vs avalanche comparison, month-by-month payoff schedules, shared goal progress by partner. 3. Wedding Guest List & Seating Planner: RSVPs, meals, plus-ones, auto-filling seating chart, address list, gift and thank-you tracker. 4. Landlord Maintenance & Lease Tracker: work orders, vendors, maintenance schedule, tenant screening, lease renewals, deposit log. Every template has a built-in Start Here tab, dropdown menus, locked formula cells (no password) and a dashboard with charts. HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. Unzip the file on a computer (double-click on Mac, or right-click > Extract All on Windows). 3. Open any BLANK file in Excel, or upload it to Google Drive and open it with Google Sheets (each PDF guide shows the steps). 4. Start on the Start Here tab, type your numbers into the blue cells, and the formulas, summaries and dashboard charts update automatically. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free) ✘ Not designed for Apple Numbers or phone screens FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. The templates work in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. They aren't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download the ZIP file on a computer and unzip it (double-click on Mac, or right-click > Extract All on Windows). Each template has its own folder with a PDF setup guide. Q: Can I customize it? A: Yes. Enter your own details in the blue cells (names, categories and dropdown lists live on each template's Setup or Settings tab) and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • Digital product. Nothing will be shipped. • For personal use. Please don't share or resell the files. • The tax and landlord templates are record-keeping tools, not tax or legal advice. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Complete Mega Bundle: All 11 BoldRowStudio Spreadsheet Templates (Excel + Google Sheets) Price: $89.00 USD Buy: https://payhip.com/b/BQU2l Page: https://boldrowstudio.pages.dev/products/complete-mega-bundle/ The Complete Mega Bundle is all 11 BoldRowStudio spreadsheet templates for Microsoft Excel and Google Sheets in one download: budgeting, sinking funds, net worth, freelance invoices, quarterly taxes, couples' money, weddings and rental properties. It's for anyone who wants the full set, at about 46% off buying all 11 separately. WHAT'S INCLUDED One ZIP file with a folder for each template. Every template comes in a BLANK version for your own numbers, an EXAMPLE version filled with sample data, and a PDF setup guide for Excel and Google Sheets. For freelancers and the self-employed 1. Variable Income Budget Planner: baseline budget, income-smoothing buffer, 12-month tracker. 2. Self-Employed Quarterly Tax Tracker: IRS quarterly due dates, set-aside %, mileage log, Schedule C summary. 3. Freelance Invoice & Payment Tracker: invoice log with automatic Paid, Due soon and Overdue status, partial payments, aging report, client totals, invoiced vs collected by month. For everyday money 4. Sinking Funds Tracker: save monthly for irregular and annual bills, needed per month, On track or Behind for each fund, rolling 12-month calendar. 5. Net Worth Tracker: monthly assets and debts, net worth and monthly change, debt-to-asset ratio, net worth goal with On pace or Behind pace. For couples 6. Couples Bill Splitter: split by income ratio, custom % or 50/50, with a live who-owes-whom balance. 7. Couples Savings Goals & Debt Payoff Planner: snowball vs avalanche, shared goal progress. For weddings 8. Wedding Budget Planner: budget vs actual, vendor payment schedule, cost per head. 9. Wedding Guest List & Seating Planner: RSVPs, meals, seating chart, addresses, thank-yous. For small landlords 10. Rental Property Tracker: rent log, expenses, Schedule E summary, cash flow, ROI and cap rate. 11. Landlord Maintenance & Lease Tracker: work orders, vendors, maintenance schedule, screening, renewals, deposits. Every template has a built-in Start Here tab, dropdown menus, locked formula cells (no password) and a dashboard with charts. WHAT YOU SAVE Bought separately: Variable Income Budget $14 · Quarterly Tax Tracker $16 · Invoice & Payment Tracker $15 · Sinking Funds Tracker $12 · Net Worth Tracker $14 · Couples Bill Splitter $12 · Goals & Debt Payoff $14 · Wedding Budget Planner $16 · Guest List & Seating $15 · Rental Property Tracker $19 · Landlord Maintenance $18 = $165. Bundle price: $89. You save $76 (about 46%). HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. Unzip the file on a computer (double-click on Mac, or right-click > Extract All on Windows). 3. Open any BLANK file in Excel, or upload it to Google Drive and open it with Google Sheets (each PDF guide shows the steps). 4. Start on the Start Here tab, type your numbers into the blue cells, and the formulas, summaries and dashboard charts update automatically. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free) ✘ Not designed for Apple Numbers or phone screens FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. The templates work in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. They aren't designed for Apple Numbers. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download the ZIP file on a computer and unzip it (double-click on Mac, or right-click > Extract All on Windows). Each template has its own folder with a PDF setup guide. Q: Can I customize it? A: Yes. Enter your own details in the blue cells (names, categories and dropdown lists live on each template's Setup or Settings tab) and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: How is this different from the Money and Planner bundles? A: The Money Templates Bundle (5 templates, $45) and the Planner Templates Bundle (4 templates, $39) cover 9 of the templates. The Complete Mega Bundle has all 11, including the Sinking Funds Tracker and the Net Worth Tracker, for $89. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • Digital product. Nothing will be shipped. • For personal use. Please don't share or resell the files. • The tax, rental and invoice templates are record-keeping tools, not tax, legal or accounting advice. The budget, sinking funds and net worth templates are planning tools, not financial advice. • The invoice tracker tracks invoices you create in any tool. It doesn't create or send invoices. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Freelance Invoice & Payment Tracker: Unpaid Invoices, Aging Report & Client Income (Excel + Google Sheets) Price: $15.00 USD Buy: https://payhip.com/b/7URNa Page: https://boldrowstudio.pages.dev/products/freelance-invoice-tracker/ The Freelance Invoice & Payment Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that logs every invoice you send, flags what's due soon or overdue and shows what you've actually collected each month. It's for freelancers, consultants, designers, writers, photographers and other solo service businesses who invoice clients and want to stop losing track of who has paid. WHAT'S INCLUDED • Freelance-Invoice-Payment-Tracker_BLANK.xlsx: ready for your numbers • Freelance-Invoice-Payment-Tracker_EXAMPLE.xlsx: a sample freelance business with 10 clients and 57 invoices so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 7 TABS Start Here (built-in quick-start notes) · Setup · Clients · Invoices · Aging · Monthly Income · Dashboard Room for 40 clients, 300 invoices and 12 services per file. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • Status fills in for you: Paid, Open, Due soon, Partial or Overdue, from your payment terms and the date paid • Per-client terms: set a default (like Net 30) and override it for any client (like Net 15) • Partial payments: enter what's been received so far and the balance updates • Aging report: every client's unpaid balance split into not yet due, 1-30, 31-60, 61-90 and 90+ days late • Client totals: invoiced, paid, outstanding, overdue and average days to pay for each client • Monthly income: invoiced vs collected (by the date you were paid) against your monthly income goal • Dashboard: invoiced, collected, outstanding, overdue, average days to pay, collection rate and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your business name, year, default payment terms, due-soon window, monthly income goal and service list on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • This tracks invoices you create in any tool (Word, Google Docs, your accounting app). It doesn't create or send invoices. • A record-keeping tool, not tax or accounting advice. • Any currency works: amounts are plain numbers with a $ format you can change. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Sinking Funds Tracker: Save for Irregular Expenses, Annual Bills & Holidays (Excel + Google Sheets) Price: $12.00 USD Buy: https://payhip.com/b/cjlLw Page: https://boldrowstudio.pages.dev/products/sinking-funds-tracker/ The Sinking Funds Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that helps you save a little each month for the expenses you know are coming: car repairs, insurance premiums, holidays, travel, property tax and annual subscriptions. It works out what to set aside for each fund, shows which bills land in the next 12 months and tells you whether your monthly budget covers them. WHAT'S INCLUDED • Sinking-Funds-Tracker_BLANK.xlsx: ready for your numbers • Sinking-Funds-Tracker_EXAMPLE.xlsx: a sample household with 11 funds so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 7 TABS Start Here (built-in quick-start notes) · Setup · Funds · Transactions · Monthly View · Calendar · Dashboard Room for 20 funds, 500 deposits and withdrawals and 16 categories. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • Needed per month: what's still needed divided by the months left until each due date • On track or Behind: each fund compares what you plan to save with what it actually needs • Deposits and withdrawals by fund, so balances match the money in your bank account • Monthly view: deposits, withdrawals, net and end-of-month balance against your planned budget • Rolling 12-month calendar: which targets are due each month, with monthly totals • Budget check: total needed per month vs the amount you can set aside • Dashboard: total saved, total targets, % funded, needed per month, budget, funds behind and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your year, monthly sinking-fund budget and up to 16 categories on the Setup tab, then add your funds. The rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Works with one savings account or several: the tracker keeps the split for you. • A budgeting tool, not financial advice. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Net Worth Tracker: Monthly Assets, Debts & Net Worth Goal Spreadsheet (Excel + Google Sheets) Price: $14.00 USD Buy: https://payhip.com/b/rAo1I Page: https://boldrowstudio.pages.dev/products/net-worth-tracker/ The Net Worth Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that tracks everything you own and everything you owe, month by month, so you can see whether you're moving forward. Type each account balance once a month and it calculates your net worth, monthly change, debt-to-asset ratio and progress toward a net worth goal. WHAT'S INCLUDED • Net-Worth-Tracker_BLANK.xlsx: ready for your numbers • Net-Worth-Tracker_EXAMPLE.xlsx: a sample couple with 12 accounts and 12 months of balances so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 7 TABS Start Here (built-in quick-start notes) · Setup · Accounts · Monthly Balances · Summary · Goal · Dashboard Room for 30 accounts and 24 months. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • One row per month, one column per account: savings, investments, retirement, home, car, loans and cards • Assets and debts sorted for you by each account's type; enter debts as positive amounts owed • Monthly summary: assets, debts, net worth, change and % change for every month entered • Debt-to-asset ratio each month • Goal tab: progress to your goal, growth needed per month to hit your date, and On pace or Behind pace • Accounts tab: first and latest balance and the change for every account • Dashboard: net worth, change since you started, this month's change, total debt, goal progress and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your first month, net worth goal, goal date and your own asset and debt categories on the Setup tab, then list your accounts. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Nothing connects to your bank: you type balances in yourself, so no logins are shared. • A tracking tool, not financial advice. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## Christmas Budget & Gift Tracker: Gift List by Person, Holiday Budget & Countdown (Excel + Google Sheets) Price: $9.00 USD Buy: https://payhip.com/b/Z2o9S Page: https://boldrowstudio.pages.dev/products/christmas-budget-gift-tracker/ The Christmas Budget & Gift Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that keeps your holiday spending in one place. List everyone you're buying for with a budget per person, track each gift from idea to wrapped, log the tree, food, travel, cards and other holiday costs, and see budget vs spent for everything, with a countdown to Christmas and a to-do list that dates itself. WHAT'S INCLUDED • Christmas-Budget-Gift-Tracker_BLANK.xlsx: ready for your numbers • Christmas-Budget-Gift-Tracker_EXAMPLE.xlsx: a sample family with 12 people, 21 gifts and holiday expenses so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 8 TABS Start Here (built-in quick-start notes) · Setup · People · Gift List · Holiday Expenses · Budget Summary · Countdown · Dashboard Room for 50 people, 300 gifts and 200 holiday expenses. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • People: budget per person, gifts planned and bought, spent, remaining and Shopping / All bought / Done / Over budget status • Gift List: person, gift, store or link, planned vs actual price and status (Idea, Ordered, Arrived, Wrapped, Given) • Holiday Expenses: decorations, tree, food, meals, cards and postage, wrapping, travel, parties, giving and more • Budget Summary: gifts plus every category, budget vs spent, % used, and how much of your total budget is still unallocated • Countdown: days, full weeks and Saturdays left until Christmas • Holiday to-do list: set how many days before Christmas each task is due and it shows Overdue, Due this week or Done • Dashboard: days to Christmas, budget, spent, remaining, gifts bought, people done and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your total holiday budget, gift groups (family, friends, teachers) and spending categories with their budgets on the Setup tab. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • It counts down to the next Christmas automatically, so the blank file works this year and next. • Shipping cutoffs vary by carrier: check your carrier's holiday dates and edit the to-do list. • A budgeting tool, not financial advice. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## 2027 Budget Spreadsheet: Monthly & Annual Budget Planner with Dashboard (Excel + Google Sheets) Price: $14.00 USD Buy: https://payhip.com/b/8conP Page: https://boldrowstudio.pages.dev/products/2027-budget-spreadsheet/ The 2027 Budget Spreadsheet is a spreadsheet template for Microsoft Excel and Google Sheets that plans your budget for every month of 2027 and shows what you actually spent. Set a monthly amount for each category (or a different amount for any month), log your income and spending, and it works out budget vs actual, what's left over, your savings rate and progress toward a yearly savings goal. WHAT'S INCLUDED • 2027-Budget-Spreadsheet_BLANK.xlsx: ready for your numbers • 2027-Budget-Spreadsheet_EXAMPLE.xlsx: a sample household with a full year of 2027 transactions so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 7 TABS Start Here (built-in quick-start notes) · Setup · Budget · Transactions · Monthly · Annual · Dashboard Room for 40 categories and 1,000 transactions. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • Budget once, adjust any month: a monthly amount per category, with an override for any single month • Category types: Income, Fixed, Variable, Debt and Savings, with totals for each • Monthly tab: pick a month and see budget vs actual for every category, with Met / Below / Under / Over / On budget status • Annual tab: every category for January to December 2027, year total, budget, difference and % used • Savings rate and running left over for each month • Yearly savings goal on the Setup tab, with progress on the dashboard • Dashboard: income, spending, saved, left over, savings rate, savings goal and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your household name and savings goal on the Setup tab, then rename or add categories on the Budget tab. The rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Nothing connects to your bank: you type or paste transactions in yourself. • A budgeting tool, not financial advice. • Any currency works: amounts are plain numbers with a $ format you can change. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release. ## 2027 Annual Planner Spreadsheet: Yearly, Monthly & Weekly Calendar with Goals & Habit Tracker (Excel + Google Sheets) Price: $12.00 USD Buy: https://payhip.com/b/0Ongs Page: https://boldrowstudio.pages.dev/products/2027-annual-planner/ The 2027 Annual Planner is a spreadsheet template for Microsoft Excel and Google Sheets that puts all of 2027 in one file: a year-at-a-glance calendar, a monthly calendar view, a weekly view, a goal tracker and a daily habit tracker. Add an event once and it shows up on the year, month and week views. Goals show progress and whether you're on track, and habits show monthly percentages and streaks. WHAT'S INCLUDED • 2027-Annual-Planner_BLANK.xlsx: ready for your numbers • 2027-Annual-Planner_EXAMPLE.xlsx: a sample 2027 filled in through mid-June with events, goals and habit check-offs so you can see how it works • Download guide (PDF) with step-by-step Excel and Google Sheets setup 10 TABS Start Here (built-in quick-start notes) · Setup · Year at a Glance · Monthly View · Weekly View · Events · Goals · Habit Tracker · Habit Summary · Dashboard Room for 400 events, 20 goals and 10 habits. Dropdown menus, locked formula cells (no password) and frozen headers. KEY FEATURES • Year at a Glance: 12 mini calendars for 2027 with your event days highlighted • Monthly View: pick a month and see a calendar grid with up to 4 events per day, plus goals due that month • Weekly View: events, habit check-offs, goals due and top priorities for any week • Common US holidays for 2027 already filled in (edit or delete any of them) • Goals: target date, progress %, and On track / Behind / Done / Overdue status • Habit tracker: one row for every day of 2027, with monthly %, current and best streaks • Dashboard: days left in 2027, goals done, average goal progress, habits this month, events in the next 30 days and 4 charts HOW IT WORKS 1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you. 2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both). 3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically. 4. Open the EXAMPLE file any time to see how a filled-in version looks. COMPATIBILITY ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365) ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. ✘ Not designed for Apple Numbers or phone screens. A computer is recommended. FREQUENTLY ASKED QUESTIONS Q: Does it work in Excel and Google Sheets? A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers. Q: Should I use Google Sheets or Excel? A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets. Q: Can I use it on my phone or tablet? A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry. Q: How do I download it? A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets. Q: Can I customize it? A: Yes. Enter your name, choose a Sunday or Monday week start and set your own event categories and goal areas on the Setup tab. Rename the 10 habits to your own. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets. Q: Can I get a refund? A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details. GOOD TO KNOW • This is a digital product. Nothing will be shipped. • Built for screens: it's a spreadsheet planner, not a printable PDF planner, though any tab can be printed. • Dated for 2027 only. Holiday dates are US holidays; edit the Events tab for your own. • For personal use. Please don't share or resell the files. • Questions or a problem with a file? Email todorgan@gmail.com. AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release.