Know where every dollar goes, all year

Know where every dollar goes, all year. Monthly budget, 12 month tabs, sinking funds and net worth, Excel + Google Sheets.

• Dashboard: This month's income, needs, wants, savings, money left and savings rate; 50/30/20 check; over-budget list; bills status; budget vs. actual chart
• Transactions: 1,500-row log with category dropdowns; group and month fill in automatically
• Month: Pick any month: budget vs. actual for every category with progress bars
• Jan-Dec: Twelve monthly tabs, one page per month
• Year: Every category by month, totals, averages, group totals, savings rate and an income vs. money-out chart
• Sinking Funds: 15 savings goals with deposits by month, progress and the monthly amount needed to hit each date
• Net Worth: Up to 20 accounts, assets minus debts by month
• Bills: Recurring bills with due dates and paid / due / autopay status
• Setup: Year and up to 45 categories with groups and monthly budgets

Works in Microsoft Excel (2010+), Google Sheets and LibreOffice. No macros or add-ons. Every file ships as an example copy (filled with made-up data) and a blank copy, plus a 2-page Quick Start PDF. Every formula is recalculated and checked against an independent calculation before release.

Why this one?

• Why not a budgeting app? Apps charge monthly and want your bank login; Centwren is a one-time $12 file you own.
• Why not a free template? Free sheets rarely have month tabs, sinking funds, net worth and a bills tracker working together.

See every tab and real screenshots: cybermax.cybermax-tools.workers.dev/store/centwren

Save with a bundle: Home Money Bundle: Centwren, Debtfell and Streakwren ($25 instead of $36) · CyberMax Spreadsheet & Printables Bundle: all 6 downloads ($45 instead of $68).

Licence: Personal licence: your own household, any of your devices. No reselling or sharing. One-time purchase, instant download (zip). Questions: cybermax.tools@gmail.com. © 2026 CyberMax.