MultiverseOSP
Budgeting
Until Payday Budget
Assign every bill to a paycheck and always know what is safe to spend until the next one.
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Sinking Funds Tracker
Set a goal and a date for each fund and see exactly what to set aside each month and each paycheck.
$9Buy now, $9
Instant download + email. Works in Google Sheets and Excel.
Secure checkout by StripeApple PayGoogle Pay
If a file doesn’t work, we’ll fix it. If we can’t, you get a refund within 7 days. Because these are instant digital downloads, there are no refunds for change of mind.
- Instant download + step-by-step setup guide
- Works in Google Sheets and Excel
- One-time price, no subscription
- No bank login, nothing to connect
- File won't open? We fix it or send a new copy
Who it's for
Anyone who wants irregular expenses planned ahead instead of handled in a panic.
Why it helps
Stop being surprised by the expenses you knew were coming: gifts, car insurance, repairs, vacations, pets.
What it does
- Up to 20 sinking fund categories
- Weekly, biweekly, semimonthly, or monthly pay
- Per-month and per-paycheck savings targets
- Progress bars that turn green at 100%
- Red flag when a need-by date passes and the fund isn't full
- Deposit and withdrawal log that updates every balance
What's included
One .xlsx workbook (Start Here, Example, Funds, Log) plus a 1-page printable PDF tracker (US Letter) with color-in progress boxes. Plus a step-by-step setup guide PDF. Works in Google Sheets and Excel (also LibreOffice Calc).
Includes English, Spanish and French versions.
Every tab, with sample data
Real screenshots of each tab in the file, recalculated from the included sample data.
Preview it
Real sample data from the workbook. Change a yellow cell and the totals recalculate.
Funds tab (sample, paid biweekly)
Set aside per paycheck
| Fund | Goal | Saved | Months left | Per month | Per paycheck |
|---|---|---|---|---|---|
| Christmas & gifts | |||||
| Car insurance (6-mo) | |||||
| Car repairs & tires | |||||
| Summer vacation | |||||
| Vet & pet care | |||||
| Home repairs | |||||
| Annual subscriptions | |||||
| Back to school |
Per month, all funds
Still needed
Yellow cells are editable. Per paycheck assumes 26 biweekly checks a year.
What happens after you buy
- Pay with Stripe (card, Apple Pay or Google Pay).
- Download right away on your download page; the link is also emailed to you. Each file can be downloaded 3 times within 24 hours.
- Follow the setup guide: a step-by-step PDF is included, and the same steps are on the setup page. The AI guide in the corner can walk you through it one step at a time.
10 min
Set up in 10 minutes, or Ava walks you through it free
Ava the Fox, our AI setup guide, takes you one step at a time and can hand you to a person if you get stuck.
Please note. Informational tool only. Not financial, tax, or legal advice. Estimates come from the numbers you type. If a file doesn’t work, we’ll fix it. If we can’t, you get a refund within 7 days. Because these are instant digital downloads, there are no refunds for change of mind.
FAQ
Is there a printable version?
Yes, a 1-page US Letter PDF with color-in progress boxes is included.
What do I get?
A download link right after checkout and by email, plus a step-by-step setup guide PDF. Spreadsheets are .xlsx: open in Excel, or upload to Google Drive and save as a Google Sheet.
Do I need a subscription or app?
No. One-time price. No macros, add-ons, or bank login.
Can I get a refund?
If a file doesn’t work, we’ll fix it. If we can’t, you get a refund within 7 days. Because these are instant digital downloads, there are no refunds for change of mind.
Is this financial or tax advice?
No. It is an informational tool. Results are estimates from the numbers you enter.
$9Buy now, $9
Instant download + email. Works in Google Sheets and Excel.
Secure checkout by StripeApple PayGoogle Pay
If a file doesn’t work, we’ll fix it. If we can’t, you get a refund within 7 days. Because these are instant digital downloads, there are no refunds for change of mind.
Bundle and save
Sinking Funds Tracker is in the Money Planner Bundle: 5 spreadsheets for $49 instead of $79. Want everything? The Complete Money Toolkit is $129 ($231 value).
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