Cash Stuffing Tracker

Run the cash envelope system without the notebook math. The Cash Stuffing Budget Tracker plans how much cash goes into each envelope every payday, keeps a running balance for every envelope as you log spending, and tracks your sinking funds and savings challenges in one file. Set it up once, then spend a few minutes each payday. WHAT'S INCLUDED • Envelopes tab: up to 15 envelopes (Spending, Bill, Sinking fund or Savings), cash to stuff each payday, starting cash, optional goal and need-by date, and running totals stuffed, added, spent, removed and balance, with a status (OK, Low, Empty, Overspent, Goal met) • Stuffing Plan: up to 26 paydays (biweekly, semi-monthly or monthly; dates fill in from your first payday) with take-home pay, planned vs. actually stuffed, what's left after envelopes, and the cash for each envelope • Spending Log with envelope dropdown and Spent / Added / Removed (500 rows) • Dashboard: cash in envelopes, stuffed so far, spent this month, next payday, low or empty envelopes, a progress bar per envelope against its monthly budget, savings progress and a balance chart • Sinking Funds: % saved, still needed, paydays left before the need-by date and cash needed per payday • Savings challenges: 100 Envelope Challenge grid and 52-Week Challenge with adjustable amounts • Start Here guide • Two files: a blank tracker and a filled-in example WORKS WITH • Microsoft Excel (2010 or later, Windows and Mac, and Excel online) • Google Sheets (free): upload the file to Google Drive and open it with Google Sheets HOW IT WORKS 1. Purchase and download instantly from your Etsy Purchases page. 2. Open the file in Excel, or upload it to Google Drive and open it in Google Sheets. 3. Set your pay schedule and envelopes, record what you stuff each payday, and log cash as you spend it. PLEASE NOTE • This is a digital download. No physical item will be shipped. No cash envelopes or wallet included. • This tracker doesn't connect to your bank. You type in your own amounts. • Amounts are in US dollars ($). Currency formatting can be changed in your spreadsheet app. • For personal use. Please don't resell or share the file. • Not financial advice. How we make it: Every Penny & Pencil template and worksheet is designed in-house with AI-assisted tools, then each page, formula and answer key is checked and tested before it is listed. Questions? Send us a message. We usually reply within a day.