UE Sheet

The Google Sheet is the foundation of your Ultimate Envelopes budget. It’s a template you copy into your own Google Drive — you own it completely, and it never expires.

Get the Sheet on Gumroad

Ultimate Envelopes Google Sheet showing envelope groups and balances — The Ultimate Envelopes Google Sheet

Requirements

A Google account (free)
Google Sheets (free, included with Google account)
Optional: A Tiller Money subscription for automatic transaction import

What’s Inside

Envelopes Tab

The heart of your budget. Create envelopes for every spending category — Groceries, Rent, Subscriptions, Emergency Fund, etc. — and assign a budget amount to each.

View envelopes by Account or by groups (Annual, Monthly, Investments, etc.)
Color-coded status bars show how healthy each envelope is at a glance
Overdrawn envelopes are highlighted in red so nothing slips by

Envelopes tab showing groups with color-coded balance bars — Envelope groups with color-coded status bars — green is healthy, red is overdrawn

Envelopes tab expanded to show Budget Amount, Funded, and Remaining to Fund columns — Expanded view — budget, funded, and remaining-to-fund for each envelope

Tracker Tab

Drill into any envelope for a full spending breakdown. The Tracker shows current balance, total actuals, % of budget spent, funded amount, and a complete transaction history.

Balances Tab

A live snapshot of all your accounts — checking, savings, credit cards, investments — and your overall net worth.

Net worth calculated from all linked accounts
See Bank Balance, Envelope Balance, and Delta side by side
Accounts grouped by type (Spending, Savings, Investments)
Alerts when accounts haven’t been updated recently

Balances tab showing net worth and accounts grouped by type — All accounts and net worth — grouped by Spending, Savings, and Investments

Payday Tab

A structured workflow for funding your envelopes when you get paid. Choose a funding template, set the date, and work through each envelope until everything is covered.

Funding templates for each paycheck (Paycheck 1, Paycheck 2, etc.)
See exactly how much is remaining to allocate as you fund each envelope
Warning shown if you over-fill your envelopes
Envelopes organized by group with fund amounts and optional comments

Payday tab showing funding templates and envelope fund amounts — Payday funding workflow — select a template and fund your envelopes

Startup Wizard

The first time you open your copy of the sheet, the Startup Wizard walks you through getting set up — start fresh, upgrade from a previous sheet, migrate from Tiller, or load sample data.

See the Startup Wizard guide

Screenshots

Videos

Getting Started Walkthrough

A walkthrough of the initial setup — copying the sheet, choosing UE or Tiller version, and opening the companion app for the first time.

Envelope Balances

A look at the Envelopes tab — envelope groups, color-coded status bars, and checking balances at a glance.

Account Balances Overview

A look at the Balances tab — tracking accounts, net worth, and how balances tie back to your envelopes.

Using Tracker

A practical, day-to-day walkthrough of working in the Tracker tab.

Exploring Envelope Insights

A deeper look at the Tracker tab — drilling into an envelope’s balance, spending, and full transaction history.

Payday Funding Workflow

How to use the Payday tab to allocate your income to envelopes each pay period.

Purchase & Setup

Purchase on Gumroad
Open the Google Sheet link from your purchase confirmation
Go to File → Make a copy to save it to your own Drive
Follow the Getting Started guide to authorize the script (one-time only), then create your envelopes and start budgeting

See the Startup Wizard guide for the options you’ll see next.