About this product

Tired of paying a monthly fee just to budget your own money? Envelope Budget OS is a complete zero-subscription envelope-budgeting system in a plain Excel/Google Sheets workbook — one purchase, yours forever.

HOW IT WORKS

• SETUP: enter income sources (weekly, biweekly, twice-monthly, or monthly — auto converted to monthly equivalents), set each envelope's monthly target, and choose Rollover or Sweep per envelope.
• MONTH: the live core. Pick any month and see per envelope: allocated, rollover carried in, available, spent (pulled automatically from your transaction log), remaining, % used, and an automatic status flag — OVER when you have spent more than available, NEAR at 85% used.
• TRANSACTIONS: a 520-row log with real date cells, envelope dropdowns, amounts, notes, and payment method. Every spend flows into the MONTH and YEAR sheets.
• YEAR: a 12-month dashboard per envelope (available / spent / remaining / status), plus totals, savings swept, your best and worst months, and an overspend-frequency count per envelope.
• PRINT: a clean one-page snapshot of the active month — made to print.

ROLLOVER vs SWEEP Rollover envelopes carry leftovers into next month (underspending compounds — deliberately). Sweep envelopes send leftovers to savings at month end; the YEAR sheet totals everything swept so you can watch savings grow.

EXACTLY WHAT YOU GET (counts verified):

• 1 workbook, 5 sheets, 100% native formulas, zero macros (works in Excel, Google Sheets, LibreOffice)
• 23 envelope slots: 18 defaults (Groceries, Dining Out, Fuel & Transit, Rent / Mortgage, Utilities, Insurance, Phone & Internet, Subscriptions, Health, Fun Money, Gifts, Kids, Pets, Home, Car, Clothing, Travel, Buffer) + 5 custom slots you can rename
• 520-row transaction log with dropdowns and data validation
• 12-month rollup dashboard with rollover math, swept-savings totals, best/worst months, per-envelope overspend counts
• Printable one-page month snapshot (print area + fit-to-page set)
• Quick-Start Guide PDF: how envelope budgeting works, 15-minute setup, the rollover/sweep decision, target-setting, and migrating from YNAB (export your register as CSV and paste it in)
• 31 fictional SAMPLE transactions pre-filled (labeled SAMPLE) so you can see the sheets working — delete them before entering your real numbers

DISCLOSURES

• This is a SPREADSHEET system, not an app. No accounts, no syncing, no fees.
• The workbook does arithmetic on numbers you enter. It is not financial, investment, or tax advice.
• Not affiliated with, endorsed by, or sponsored by YNAB. Built for people leaving subscription budget apps — your data lives in a file you own.
• All content is original to Dasti Deals. Personal-use license (details in README-license.txt).

What's included

• Envelope-Budget-OS.xlsx — 5-sheet workbook, 100% native formulas, zero macros (works in Excel, Google Sheets, LibreOffice):
• SETUP — enter income sources (weekly, biweekly, twice-monthly, or monthly — auto-converted to monthly equivalents), set each envelope's monthly target, and choose Rollover or Sweep per envelope
• MONTH — the live core: pick any month and see per envelope allocated, rollover carried in, available, spent (pulled automatically from the transaction log), remaining, % used, and an automatic status flag — OVER when spent exceeds available, NEAR at 85% used
• TRANSACTIONS — a 520-row log with real date cells, envelope dropdowns, amounts, notes, and payment method; every spend flows into MONTH and YEAR
• YEAR — a 12-month dashboard per envelope (available / spent / remaining / status), plus totals, savings swept, best and worst months, and an overspend-frequency count per envelope
• PRINT — a clean one-page snapshot of the active month, made to print (print area + fit-to-page set)
• 23 envelope slots: 18 defaults (Groceries, Dining Out, Fuel & Transit, Rent / Mortgage, Utilities, Insurance, Phone & Internet, Subscriptions, Health, Fun Money, Gifts, Kids, Pets, Home, Car, Clothing, Travel, Buffer) + 5 custom slots you can rename
• Quick-Start Guide PDF — how envelope budgeting works, 15-minute setup, the rollover/sweep decision, target-setting, and migrating from YNAB (export your register as CSV and paste it in)
• 31 fictional SAMPLE transactions pre-filled (labeled SAMPLE) so you can see the sheets working — delete them before entering your real numbers
• README-license.txt — personal-use license

Key features

• 23 envelopes, your rules → 18 defaults + 5 renameable custom slots, each set to Rollover or Sweep
• Automatic warnings → OVER when an envelope is spent past available, NEAR at 85% used, computed live on the MONTH sheet
• Rollover vs Sweep → rollover envelopes carry leftovers into next month (underspending compounds, deliberately); sweep envelopes send leftovers to savings at month end, and the YEAR sheet totals everything swept
• 520-row transaction log → real date cells, envelope dropdowns, amounts, notes, payment method; every spend flows into MONTH and YEAR automatically
• 12-month dashboard → per-envelope available / spent / remaining / status across the year, plus totals, swept savings, best and worst months, and overspend counts
• Printable month snapshot → one clean page of the active month, print area and fit-to-page already set
• YNAB migration path → export your YNAB register as CSV and paste it in (not affiliated with, endorsed by, or sponsored by YNAB)