Pre-built spreadsheet templates for budgeting, net worth, and debt payoff. No subscription. No app. Just your data, your way.
Every template runs entirely in Google Sheets or Excel. Your financial data stays on your device.
Income vs. expenses by category. Real-time remaining column. Built-in charts for spending patterns over time.
All your assets and liabilities in one view. Track your wealth over months and years with automatic summaries.
Debt snowball and avalanche methods. See exactly when you'll be debt-free and how much interest you'll save.
Set targets, track progress, visualize timelines. Whether it's a vacation or an emergency fund, watch it grow.
Every budgeting app wants $9.99/month. Then $14.99. Then $24.99 for "premium." Before you know it, you're paying $300 a year to track your own money.
Spreadsheets gave us something better: full control, zero lock-in, and data that actually belongs to you. The only problem is building from scratch takes hours and most people give up before they start.
Penniwise Pilot is the middle path. Professionally designed templates that take 5 minutes to set up, cost a fraction of a year's subscription, and will still be running when that app has pivoted to AI coaching or shut down entirely.
Stop paying monthly for tools that track your money. Start owning the system instead.
Excel & Google Sheets compatible — no signup required
New templates and updates — no spam, unsubscribe anytime.