The Simple Money System

End the month with money left over.

When you can see where every dollar goes, the leaks stop on their own. A dead-simple budget spreadsheet built by a professional gambler. Ten minutes a week, no new app to learn. Works in Excel and Google Sheets.

Get the system for $12

$18 $12 · instant download · 30-day guarantee

The Simple Money System dashboard showing runway, monthly spending, and category budgets

The actual Dashboard. Ten minutes on Sunday. That's the whole habit.

Why trust a gambler with your budget

The most boring spreadsheet you've ever seen. On purpose.

I bet on sports for a living. Real job, real mortgage, two kids. The only reason it works is boring discipline: rules written down while I'm calm, followed when I'm not, and every dollar accounted for.

Here's what surprises people. When I built the money system my own family runs on, I didn't add clever gambling math. I did the opposite. I stripped everything out. Because the people who handle money under real pressure keep it simple to the point of boring: know how long you're okay, plan the month, write down what leaves.

That's the whole system. Three numbers and a 20-second habit. Boring wins.

The three numbers

Everything you actually need to know about your money:

1. How long are we okay?

If money stopped today, how many months could you cover? It's at the top of the Dashboard in big print. Watch it grow.

2. The No-Surprises Fund

Car repairs and Christmas happen every single year. The sheet divides them by 12 so December stops being an emergency.

3. This month's plan

A budget per category and a 20-second log when you spend. The Dashboard tells you if you're okay at a glance.

What's inside

Six tabs. You only ever type in two of them.

Setup - your paydays and your plan, once. Ten minutes.
Log - what you spent, as it happens. About 20 seconds per entry.
Dashboard - fills itself in. Your runway, your month, every category at a glance.
No-Surprises Fund - lists the once-a-year costs and does the math for you.
House Rules - three if-then rules you write while calm and follow when you're not.
Start Here - plain-English instructions. If you can type a number in a yellow box, you're qualified.

No-Surprises Fund tab with once-a-year costs divided by 12

What it's not

No app. No subscription. No lecture.

No monthly fee. You pay $12 once and it's yours forever.
No linking your bank accounts. The file lives on your computer. We never see a single number.
No financial jargon to learn. If a term needed explaining, it didn't make it in.
No 40-tab monster built to impress other spreadsheet people.
No guilt column. "Worth it" is a category in this house.

Questions

Fair questions, straight answers.

Excel or Google Sheets?

Both. It's built in Excel and imports cleanly into Google Sheets (File, Import, Upload, done). Instructions for both are on the Start Here tab.

Do I need to be good with spreadsheets?

If you can type a number into a yellow box, you're qualified. Every formula is already built. You never touch them.

How much time does it really take?

Ten minutes to set up. Then about 20 seconds when you spend money, and ten minutes on Sunday to look at the Dashboard. That's the entire commitment.

Is my financial information private?

Completely. It's a file on your computer, not an app on our servers. Nothing you type ever leaves your machine. We couldn't look at your numbers if we wanted to.

My partner and I share money. Does this work for two people?

It's built for exactly that. The House Rules tab has a spot for both signatures, and the Dashboard gives you both the same honest picture, which ends a lot of arguments before they start.

What do I get, exactly?

The Simple Money System spreadsheet (Excel file, Google Sheets compatible), a plain-English quick start guide, and free updates when the system improves.

Twelve dollars. One honest system.

Less than the subscription you forgot you're paying for.

Get the Simple Money System for $12