See a Debt-Free Date for Every Balance and What’s Left After Bills — in One Google Sheet
No app subscription. No bank login. No formulas to build.
One-time payment • Instant access • 30-day money-back guarantee
- Instant access
- No bank connection
- Pay once, no subscription
- 30-day guarantee
The template, shown with its sample data.
Money feels heavy when the answers are scattered.
A bank app here, bills in a drawer, a number in your head. It is hard to feel in control when nothing sits in one place.
True North puts it all in one Google Sheet and answers two plain questions:
A debt-free date for each balance
Add each debt with its balance, rate, and minimum payment. Choose avalanche or snowball, and the calculator shows a Debt-Free Date for every debt, plus the total interest.
Sample debts that come with the template. Your own balances replace them.
Keep paying $790, or let it shrink. Two different finish lines.
As each debt is paid off, its minimum payment frees up. Rolled onto the next debt, it shortens the whole plan.
Example calculated from the template’s sample debts ($29,500 total; $790 a month kept the whole time, avalanche order, vs. minimums only, which drop as each debt is paid off). Not a prediction.
One-time payment • Instant access • 30-day money-back guarantee
See what’s left to spend after your bills
Enter your income, bills, and spending. Each month’s dashboard shows Left to Spend and Left to Budget, with budget versus real side by side.
The template, shown with its sample data.
Left to Spend
What remains after every bill, at a glance.
Budget vs real
Plan on one side, what happened on the other.
50/30/20 view
Needs, wants and savings, goal against real.
12 months
One dashboard for each month of the year.
One-time payment • Instant access • 30-day money-back guarantee
Start tonight, in four steps
Open your link
Use the Google Sheets link on your confirmation page. It is emailed to you too.
Make a copy
File, then Make a copy. Your private version saves to your own Drive.
Set your currency
Pick your currency on the Setup tab. A Getting Started guide (sent with your sheet) shows you where to begin.
Enter your numbers
Type in your debts, income, and bills. The dashboards update themselves.
Instructions are also written on every tab.
What’s included
One Google Sheet, built and ready.
Debt Calculator
Snowball or avalanche, a Debt-Free Date for each debt, and your total interest.
12 Monthly Dashboards
Left to Spend, Left to Budget, and budget versus real for every month.
50/30/20 Dashboard
See how your real spending compares with a 50/30/20 goal.
Getting Started guide
Sent with your sheet, so you always know the next step.
Built in Google Sheets
Free to use with a free Google account. No bank connection, no software to install.
Pay once, keep it
A single payment of $16.99 USD. No subscription.
One-time payment • Instant access • 30-day money-back guarantee
Budgeting apps add up. This one is paid once.
What three years costs, using each app’s published annual price.
Apps include features a spreadsheet does not, such as bank syncing. Prices checked on October 2, 2026: YNAB $109 a year or $14.99 a month (ynab.com/pricing); Copilot Money $95 a year (copilot.money). Prices may change; check each site. YNAB and Copilot Money are trademarks of their respective owners and are not affiliated with True North.
One-time payment • Instant access • 30-day money-back guarantee
One price. $16.99, once.
- Debt Calculator with a Debt-Free Date for each debt
- 12 monthly dashboards with Left to Spend
- 50/30/20 dashboard, budget versus real
- Getting Started guide, sent with your sheet
- Google Sheets, no bank connection, no subscription
One-time payment • Instant access • 30-day money-back guarantee
Frequently Asked Questions
Do I need Excel or a Google account?
How do I get the planner after I buy?
Does it connect to my bank?
Can I choose my currency?
Will it work on my phone?
Can my partner use it too?
Is it a subscription?
What is your refund policy?
A date for every balance. A number for what’s left.
One Google Sheet, $16.99 once, with a 30-day guarantee.
One-time payment • Instant access • 30-day money-back guarantee