I never know where my money goes.
It vanishes somewhere between payday and the weekend — and you can't point to where. True North shows every dollar in plain sight.
Personal Finance · Google Sheets
Find your true north with money.
Take control of
your money —
without the stress.
Know where every dollar goes, get out of debt, and finally save — all inside one calm, beautiful spreadsheet that does the math for you.
Made for Google Sheets22 Tabs
Instant Download
One-time Payment
If this sounds like you
Money shouldn't feel
like guesswork.
Most people don't have a money problem — they have a clarity problem. When everything lives in your head, money feels heavy. True North gives it a calm, simple home.
I'm always broke before payday.
The month outlasts the money, every time. A clear plan tells you what's safe to spend today, so the end of the month stops being a surprise.
I'm in debt and don't know where to start.
The pile feels too big to face. True North maps every balance and gives you one clear next step — and a finish line you can actually see.
True North is the calm answer: one spreadsheet that turns money anxiety into clarity, calm, and a clear direction — so you always know your next step.
The shift
From money chaos
to clarity.
Same life. Same income. But everything finally makes sense — this is the moment True North changes.
Before
Credit card
−$1,999
Overdrawn
−$85
Overdue
3 bills
Savings
$0
Left to spend
???
Due today
$740
"Where did it all go?"
After
Net worth
$44,886
▲ On track
✓ Needs covered
✓ Saving 20%
✓ Debt-free in sight
One quiet spreadsheet — and your money finally points north.
What's Inside
22 tabs + full
setup instructions.
Every corner of your financial life in one place — from today's spending to long-term wealth. Pre-built and ready; just plug in your numbers.
Annual Overview
Your whole year at a glance. Income, expenses, and savings rate across all 12 months in one unified view.
Bank Account Status
Keep an eye on every account. Balances, account types, and running totals update automatically.
Monthly Dashboard
12 individual month tabs, each with live charts, 300+ transaction rows, and full category breakdowns.
50/30/20 Dashboard
The famous ratio, automated. See your Needs, Wants, and Savings split with calm, live charts.
Smart Calendar
Color-coded calendar of every payday, bill, subscription, and debt payment. Never miss a due date.
Sinking Funds & Net Worth
Track assets vs. liabilities and manage up to 15 sinking funds with automated progress graphs.
Debt Tracker
Snowball or avalanche — map every balance, interest rate, and payoff timeline automatically.
Bonus Tabs
No-Spending Challenge sheets to make saving feel like a game — daily and weekly trackers included.
Included
No-Spending Challenges — Bonus Tab
Daily and weekly challenge trackers to build calm, consistent saving habits over time.
01
50/30/20
Feature Spotlight
50/30/20
Dashboard
The gold-standard budgeting ratio, built right in. See exactly how your money splits between Needs, Wants, and Savings — every month, automatically.
- Split every dollar into needs, wants & savings
- Customizable ratio — tune the percentages to your life
- Builds your emergency fund and tracks savings visually
- Auto-linked to all of your monthly data
02
Monthly
Feature Spotlight
Monthly
Dashboard
Twelve fully built dashboards — one for each month. Each tab captures your complete picture: income, every expense, and savings, all linked and auto-calculated.
- See income, expenses & where your money goes at a glance
- Spot overspending early — before it quietly compounds
- Categorized transaction log with 300+ rows per month
- Charts auto-update the moment you enter a transaction
03
Feature Spotlight
Debt Calculator.
Add every debt — balance, interest rate, and minimum payment — choose a payoff strategy, and True North maps your entire journey out of debt, right down to the exact month you'll be free.
- Avalanche or snowball strategies, built in
- See the total interest you'll pay — and how to cut it
- Add an extra payment and watch months disappear
- A clear, month-by-month payoff schedule
04
Feature Spotlight
Net Worth.
Track everything you own against everything you owe — and watch the one number that proves you're getting ahead climb, month after month.
- Assets vs. liabilities, calculated automatically
- A net-worth growth chart across the whole year
- Asset distribution at a glance
- The big-picture view that keeps you motivated
05
Sinking
Feature Spotlight
Sinking
Funds.
Save toward everything that matters — holidays, a new car, the emergency fund — each with its own pot and target date, so big expenses never catch you off guard.
- Save for up to 15 goals, each with its own target date
- Automated progress graphs — just enter your numbers
- Plan ahead for big expenses, stress-free
- Watch each fund fill up, month over month
How It Works
Up and running
in minutes.
No apps to install, no bank to connect, no learning curve. Add your numbers once and let your dashboards, charts, and calendar do the rest.
Get Instant Access
Complete secure checkout and download True North right away — no waiting.
One-time · $27Make a Copy
Save your own copy to Google Drive with one click. A free Google account is all you need.
Free Google accountAdd Your Numbers
Enter your income, bills, and expenses once. Clear instructions guide every tab.
Just plug inWatch It Update
Your dashboards, charts, and calendar update automatically. Sit back and see it all clearly.
Automatic clarity
Why True North
Built to feel
calm — not complicated.
One-time payment, no subscription
Pay $27 once and it's yours forever. No monthly fees, no renewals, no surprises.
Works in Google Sheets you already trust
No new app to learn. It opens in the spreadsheet tool you already know, on any device.
No bank linking, fully private
Your numbers stay in your own Google account. Nothing is connected to your bank — ever.
Pre-built — just plug in your numbers
Every formula and chart is already done. You add your figures; True North does the math.
Step-by-step instructions included
Clear guidance on every tab means you'll never feel lost — no spreadsheet skills required.
One Spreadsheet · One Calm Number
Start taking control
Start taking control
today.
True North
Ultimate 50/30/20 Budget
LAUNCH PRICE · $147 VALUE
$147
$27
One-time · USD
The complete system — $147 value just $27 today
Launch price — limited-time intro offer
- The complete budget system — Google Sheets + Excel version
- Monthly & 50/30/20 dashboards with live charts
- Smart Calendar, Debt Tracker, Sinking Funds & Net Worth
- Step-by-step video walkthrough + 10-minute Quick-Start guide
- BONUS · 52-Week Savings Challenge
- Instant download · works with a free Google account
Get instant access — $147 $27
Try it for 7 days — if it's not the simplest budget you've ever used, email us and we'll make it right.
7-day satisfaction guarantee — we'll make it right
Secure checkout
Instant access
7-day support
Works with a free Google account
Founding members — be one of the first to use True North
Questions
Good to know.
Do I need Excel?
No paid software needed. True North runs in Google Sheets (completely free) — and an Excel version is included too, so you can use whichever you prefer. Just a free Google account to get started.
Is it a subscription?
No. It's a one-time payment of $27. You pay once and the system is yours to keep and use forever — no monthly fees and no renewals.
Will it work on my phone?
Yes. Open it in the free Google Sheets app on iPhone or Android to check in on the go. It's most comfortable to set up on a computer, but it works everywhere your Google account does.
Do I need to be good with spreadsheets?
Not at all. Everything is pre-built — all the formulas, charts, and calculations are done for you. You simply enter your numbers, and step-by-step instructions walk you through every tab.
Can my partner use it too?
Yes. Google Sheets is easy to share, so you and your partner can manage your household budget together from the same spreadsheet, on any of your devices.