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.

  • Organize envelopes into collapsible 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
  • Sidebar shows income, spending, uncategorized transactions, and account balances
  • Group collapse/expand state is saved per device, even across iOS Safari sessions
Envelopes tab showing groups with color-coded balance bars
Envelope groups with color-coded status bars — green is healthy, red is overdrawn

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.

Tracker tab showing Groceries envelope with transaction history
Envelope detail — balance, spending %, and full 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

UE Version vs. Tiller Version

When you first open the sheet, you’ll choose which version to use:

  UE Version Tiller Version
Transaction import Manual / CSV import Automatic from bank via Tiller
Tiller subscription Not required Required
Setup Simpler Requires Tiller connection

You can switch versions later if you decide to add or remove Tiller.

Getting Started

  1. Purchase on Gumroad
  2. Open the Google Sheet link from your purchase confirmation
  3. Go to File → Make a copy to save it to your own Drive
  4. Open the companion app (link included in the sheet) and connect it to your copy
  5. Choose UE version or Tiller version on the setup screen
  6. Create your envelopes and start budgeting

Changelog

See Changelog for the full version history.