Personal Finance System: Budget App, Debt Planner & Excel Kit

Take control of your money with a complete, beginner-friendly toolkit that works in any currency.

What’s included:

• MoneyWise app: an offline budgeting app for phone or desktop. It tracks income and expenses and compares the debt snowball and avalanche methods. It also covers savings goals, an emergency fund, net worth and compound growth. A money garden, daily streaks and badges help you build the habit.
• Excel workbook: 10 tools, including a dashboard, budget planner, debt calculator, savings tracker and net worth tracker. Formulas and charts update automatically, and you can switch currency in one cell.
• 88-page eBook: 20 plain-English chapters on budgeting, debt, saving, credit, investing basics, retirement and avoiding scams. It includes worked examples and exercises.
• 14 printable templates: budget, expense, debt, savings, net worth and 90-day challenge sheets.

Private by design: no account and no tracking, and your data stays on your device. It comes as an instant ZIP download.

For education only, not financial advice.