Money Map - a year of money in one file Most budget tools fail for the same reason: they ask for your bank login, promise to do everything, and quietly become another subscription you forgot to cancel. Money Map is the opposite machine. One workbook, no login, no connection, no account. You give it ten minutes a week; it gives you the year - fixed costs, category shares, debt maths, and a net worth line that actually moves. What is inside - the seven tabs Read me - the two-minute tour: what each tab does, the order to do it in, and the one habit (ten minutes, weekly) that makes the whole file work. Setup - your currency label, your category list, your saving-rate target. Five minutes once, and every other tab inherits it. Fixed costs - the recurring monthly reality: rent, utilities, the subscriptions you forgot, the ones you didn't. The tab where the audit starts. Spending log - 365 rows
Watch it work - the real flow, no sound needed:
Long answers to the job this file does: How to make a household budget you will still be keeping in February · How to work out your net worth on one page, without the jargon · How to budget when your income changes every month.