How it Works

🏠 New here? Start with the full picture first.

Which Tracker Is Right for You?

From free tools to a complete money system — here’s how to choose.

Not sure where you are in your journey? Take the Money Quiz first →

Free Tools — Start Here

Free

Free Budget Template (Excel)

£0
Instant download via email
Best for you if… You’re just starting out and want to see where your money goes each month. No spreadsheet experience needed.
  • 12-month automated budget
  • Income & expense tracking
  • Works in Excel or Google Sheets
  • Offline — your data stays private
Get the Free Budget Template →
Free

Free Savings Distribution Tracker

£0
Instant download via email
Best for you if… You have some savings but they’re all in one pot. You want to split them across Buffer, Sinking Funds, and Goals automatically.
  • Automatic savings split calculator
  • Buffer, Sinking Funds & Goals pots
  • Visual progress bars per goal
  • Google Sheets — works on any device
Get the Free Savings Tracker →

Paid Trackers — When You’re Ready to Go Deeper

Most Popular

Monthly Budget Tracker

£12
One-time purchase — yours forever
Best for you if… You want to build the budgeting habit one month at a time, without being overwhelmed by a full-year system.
  • Single-tab monthly view
  • Budget vs actual comparison
  • Duplicate monthly to build history
  • Available in Excel or Google Sheets
  • Multi-currency support
Get the Monthly Tracker →
Complete System

Complete Finance Tracker

£18.80
One-time purchase — yours forever
Best for you if… You’re managing debt payoff, multiple savings goals, or want to see your full financial picture across the whole year.
  • Pre-built 12-month budget with rollover
  • Debt tracker with payoff timeline
  • Savings goals with progress visualisation
  • Net-worth dashboard (monthly growth)
  • No-spend challenge calendar
  • Month-to-month comparison charts
  • Multi-currency support
Get the Complete System →

Feature Comparison

Feature Free Budget Template Monthly Tracker £12 Complete System £18.80
Monthly budget tracking ✓ ✓ ✓
Budget vs actual comparison – ✓ ✓
Multi-currency support – ✓ ✓
12-month full-year view ✓ – ✓
Month-to-month comparison – – ✓
Debt payoff tracker – – ✓
Savings goals tracker – – ✓
Net-worth dashboard – – ✓
No-spend calendar – – ✓
Price Free £12 £18.80

Why Moneysensemap Trackers Work

📝

Designed for real life

Not overcomplicated accounting software. Practical tools that fit your routine and take minutes to set up.

🔒

Your data stays private

Everything works offline in Excel or Google Sheets. No cloud dependency, no subscriptions, no tracking.

⚡

Instant access

Download immediately and start tracking today. No waiting, no account setup required.

💷

One-time purchase

Pay once, use forever. No monthly fees or hidden costs. Yours to keep and customise.

Not sure which to start with?

The Money Quiz takes 3 questions and tells you whether budget, debt, or savings should be your first focus — then points you to the right tool.

Take the Money Quiz →

Or go back to the beginning: Start Here →