MultiverseOSP
Planning
Debt Snowball + Avalanche Tracker
See each debt's payoff month, total interest, and your debt-free date, snowball or avalanche.
$14Buy
Net Worth Tracker
List what you own and what you owe, log one row a month, and watch the trend.
$12Buy now, $12
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 a once-a-month check on overall progress without linking accounts to an app.
Why it helps
Know your number. A private balance sheet for your household with charts that update themselves.
What it does
- Accounts list (30 rows): assets and liabilities with categories
- Balance sheet: total assets, liabilities, net worth, debt-to-asset ratio
- Assets by category bar chart
- Monthly snapshot log (10 years of rows): change and % change
- 12-month line charts that update automatically
What's included
One .xlsx workbook: Start Here, Example (hand-checked figures), Accounts, Balance Sheet, Monthly Log, Chart. No bank connection, ever. 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.
Accounts tab (sample household)
Net worth
| Account | Type | Balance |
|---|---|---|
| Checking | Asset | |
| High-yield savings | Asset | |
| 401(k) | Asset | |
| Roth IRA | Asset | |
| Brokerage | Asset | |
| Home (est. value) | Asset | |
| Car (est. value) | Asset | |
| Mortgage | Liability | |
| Car loan | Liability | |
| Student loan | Liability | |
| Visa card | Liability |
Total assets
Total liabilities
Yellow cells are editable. Liabilities are entered as positive balances.
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
Do I need to connect my accounts?
No. You type balances in once a month. Nothing connects to a bank.
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.
$12Buy now, $12
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
Net Worth 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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