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Budget planners, savings challenges & travel planners for real life

Made by The Total Woman Concept for women who want clarity, not another complicated system. Pay once, download instantly, keep forever.

SpendWise Budget App · $12Printable Budget Planner · $6Savings Challenge Kit · $4Travel Planner & Trip Budget Kit · $8The Money Bundle · $22
Budget Planner App: Paycheck Budget, Bill Tracker and Debt Payoff Planner (Works Offline)

Track it. Plan it. Breathe.

SpendWise Budget App

Budget Planner App: Paycheck Budget, Bill Tracker & Debt Payoff Planner (Works Offline)

Launch sale · ends 31 Dec
$12 $17 one-time · instant download

A calm budget app that opens in any browser on your phone or laptop. No spreadsheets, no subscription, no bank login. Log a spend in seconds and always know what is safe to spend today.

Buy now · $12

✅ What’s included

  1. Budget planner app (one file, works on phone, tablet & laptop, online or offline)
  2. Paycheck planner: see which paycheck pays which bill and what is left
  3. Bill tracker & subscriptions audit with a money calendar
  4. Savings funds that tell you how much to save each month
  5. Debt payoff planner: snowball vs avalanche, your debt-free date and interest saved
  6. Insights, year in review & printable monthly report
  7. Savings challenges: no-spend streaks, 52-week & 100-envelope
  8. Day & night mode, 6 colour themes, 19 currencies, backup & bank CSV import

🧭 How it works

  1. Open the file in Chrome, Safari or Edge, or install it on your phone
  2. Add your paychecks, bills and budgets (5 minutes)
  3. Tap + after each purchase. The app does the maths.
💡 Pairs well with: Travel Planner & Trip Budget Kit
Going away? The Travel Planner & Trip Budget Kit plans the trip, and the app tracks the spending offline while you are there.
Or get all 4 in The Money Bundle for $22 →
❓ Questions

Is this Excel or Google Sheets?
No. It is a web app that runs in your browser, so there is nothing to install and no formulas to break.

Does it work offline?
Yes, once opened it works without internet.

Is my data private?
Yes. Your numbers stay on your device. No account, no bank connection.

Printable Budget Planner: Monthly and Paycheck Budget, Bill Tracker, Debt Payoff and Savings Tracker (Undated PDF)Printable Budget Planner: Monthly and Paycheck Budget, Bill Tracker, Debt Payoff and Savings Tracker (Undated PDF) - what is inside

Plan it. Track it. Keep it.

Printable Budget Planner

Printable Budget Planner: Monthly & Paycheck Budget, Bill Tracker, Debt Payoff & Savings Tracker (Undated PDF)

Launch sale · ends 31 Dec
$6 $9 one-time · instant download

For women who think better with a pen. A calm, undated budget planner built for real paychecks, bills and side hustles. Print what you need, as many times as you need.

Buy now · $6

✅ What’s included

  1. 21 printable pages, US Letter + A4 PDF
  2. Plan: year at a glance, money goals, monthly budget, paycheck budget
  3. Track: bill tracker, bill calendar, expense log, weekly check-in, subscription audit, no-spend month
  4. Save & pay off: savings goals, sinking funds, emergency fund, debt payoff plan & log, net worth
  5. Reflect: monthly and year-end money reviews

🧭 How it works

  1. Download the PDF in your size
  2. Print at home, or write on it in GoodNotes or Notability on a tablet
  3. Start any month. It is undated, so it never goes out of date.
💡 Pairs well with: SpendWise Budget App
Want the maths done for you? The SpendWise Budget App adds everything up automatically.
Or get all 4 in The Money Bundle for $22 →
❓ Questions

Is it dated?
No, it is undated, so you can start any month, any year.

What sizes are included?
US Letter and A4.

Can I use it on my iPad?
Yes, import the PDF into GoodNotes, Notability or any PDF app.

Savings Challenge Printable Bundle: 52 Week, 100 Envelope, $5,000 and $10,000 Savings Tracker (PDF)Savings Challenge Printable Bundle: 52 Week, 100 Envelope, $5,000 and $10,000 Savings Tracker (PDF) - what is inside

Saving, but make it a game.

Savings Challenge Kit

Savings Challenge Printable Bundle: 52 Week, 100 Envelope, $5,000 & $10,000 Savings Tracker (PDF)

Launch sale · ends 31 Dec
$4 $7 one-time · instant download

Colour in a box every time you save and watch a scary number turn into a real emergency fund. Works in any currency.

Buy now · $4

✅ What’s included

  1. 15 printable pages, US Letter + A4 PDF
  2. 8 savings challenges: 52-week, reverse 52-week, 26-paycheck, 100-envelope, 1,000 in 90 days, 5,000 grid, 10,000 grid, 30-day no-spend
  3. Trackers: sinking funds, emergency fund, save-the-change log
  4. Challenge picker + rewards & reflection page

🧭 How it works

  1. Pick a challenge that fits your paycheck
  2. Print it and stick it somewhere you will see it
  3. Save, colour, repeat. Watch it fill up.
💡 Pairs well with: SpendWise Budget App
The SpendWise Budget App has the 52-week and 100-envelope challenges built in, with a random envelope picker.
Or get all 4 in The Money Bundle for $22 →
❓ Questions

Does it work in my currency?
Yes. Amounts are plain numbers, so they work in dollars, pounds, naira, euros or anything else.

Can I reuse it?
Yes, print as many copies as you like for personal use.

Travel Planner Printable and Trip Budget Spreadsheet: Itinerary, Packing List and Travel Budget CalculatorTravel Planner Printable and Trip Budget Spreadsheet: Itinerary, Packing List and Travel Budget Calculator - what is inside

Plan it. Budget it. Go.

Travel Planner & Trip Budget Kit

Travel Planner Printable & Trip Budget Spreadsheet: Itinerary, Packing List & Travel Budget Calculator

Launch sale · ends 31 Dec
$8 $12 one-time · instant download

Plan the trip in your home currency and spend it in theirs, without the group-chat maths. Perfect for girls’ trips, honeymoons and solo adventures.

Buy now · $8

✅ What’s included

  1. 12-page travel planner, US Letter + A4 PDF: trip overview, travel budget, savings countdown, pre-trip checklist, packing list, itinerary, daily expense log, places to eat & see, travel journal, after-trip review
  2. Trip budget spreadsheet for Excel, Google Sheets or Numbers: auto-totals, currency conversion, daily spending money and a “save this much per week” target
  3. Who-owes-who splitter for group trips

🧭 How it works

  1. Fill in the trip budget spreadsheet: it works out your weekly savings target
  2. Print the planner, or use it on your tablet
  3. Log spending as you go and settle up with friends at the end
💡 Pairs well with: SpendWise Budget App
Pair it with the SpendWise Budget App to track your trip spending offline on your phone.
Or get all 4 in The Money Bundle for $22 →
❓ Questions

Does the spreadsheet work in Google Sheets?
Yes. Upload it to Google Drive and open it with Google Sheets.

Can I use it for any destination or currency?
Yes, choose your home and local currency and set the exchange rate.

Budget Planner Bundle: Budget App, Printable Budget Planner, Savings Challenges and Travel Planner

Everything you need for calmer money.

The Money Bundle

Budget Planner Bundle: Budget App, Printable Budget Planner, Savings Challenges & Travel Planner

Launch sale · ends 31 Dec
$22 $29 one-time · instant download

All four products in one download for $22, less than buying them separately ($30).

Buy now · $22

✅ What’s included

  1. SpendWise Budget App
  2. Printable Budget Planner
  3. Savings Challenge Kit
  4. Travel Planner & Trip Budget Kit
  5. Free updates to the app

🧭 How it works

  1. Download everything at once
  2. Use the app day to day and the printables for your monthly sit-down
  3. Save, plan and travel with the whole set
❓ Questions

Do I get every file?
Yes, every file from all four products, plus future app updates.

🤝 Let’s connect

Free money tips, new printables and honest notes from Sylvia.

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Launch prices end 31 December 2026, then regular prices apply. Instant digital downloads; nothing is shipped. Please read our Terms of Sale & Refund Policy. Questions? empower@thetotalwomanconcept.com