OmniAura Finance Team
Designed by educators & planners
Zero-Based Budget Master Spreadsheet
The complete zero-based budgeting system in Excel and Google Sheets. Every dollar assigned, every category tracked, with automatic surplus/deficit calculation and savings rate display.
2,800+ members have access · 27 downloaded today
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Everything included in your subscription
23 bundles + 2 SaaS tools. If bought separately, that's $200+. Pro members pay $15/month.
Included in OmniAura Pro
Finance Starter Bundle + all 22 other premium products — from $15/month
How delivery works
Complete checkout
Secure payment via Stripe — takes under 60 seconds.
Instant access
Your download link appears immediately on the confirmation page.
Download & use
Open in your preferred app and start using right away.
What this does for you
Stop wondering where your money goes.
Who it's for: Anyone who wants to take control of their monthly cash flow
About this product
Every dollar gets a job — and the math enforces it. This isn't another envelope tracker; it's a zero-based budgeting engine with four linked sheets, 18 budget categories, conditional over-budget flags, a sinking-fund planner for irregular expenses, and a debt payoff tracker that calculates interest cost per debt. Works identically in Excel 2016+ and Google Sheets — share with a partner, edit on the go, no plugin required. Built by finance professionals; used by households to move from "where did my money go?" to a measurable savings rate, usually in the first 30 days.
Try it before you download
No sign-in required to preview. Your own copy is saved to your Google/Notion account.
What's inside
- 4 linked sheets — budget, sinking funds, debt, summary
- 18 pre-built budget categories (edit to your life)
- Live surplus/deficit calc + savings rate
- Conditional red/green "over/under" flags
- Opens in Excel, Google Sheets, LibreOffice, Numbers
Best for
Households running their money on autopilot who want real math, not hope.
File types included
Excel (.xlsx)
Microsoft Excel 2016+
Google Sheets
Free with Google account
Software compatibility
✓ No special software required for PDF files. Excel files require Microsoft Excel 2016 or later, or Google Sheets (free).
What early reviewers say
Sarah M.
2 days agoHad the Canva Social Media Kit live in my client's project the same day — every layout pre-sized, I only needed to swap in the brand hex codes.
James T.
1 week agoThe budget spreadsheet cut my weekly tracking from four hours to about 20 minutes — it auto-calculates everything from my paycheck input. I open it every Monday.
Priya K.
2 weeks agoCustomised the Canva design in under 20 minutes for a client pitch deck. They asked where I got the file — I ended up recommending OmniAura to three colleagues.
License
Personal & Commercial License
Use in client work, your own products, and personal projects.
OmniAura Pro
Kids Learning + Budget Planner + 50+ premium products — all in one subscription
- 50+ premium products — instant access to all downloads
- kids learning & phonics printables
- Budget Planner — Google Sheets & Excel budgeting
- Excel, Notion, PDF, Canva & PNG formats
- Personal & commercial use license
- Priority support · New tools and bundles added continuously
Cancel anytime · Instant access · 30-day guarantee
What you're getting
Secure payment
Stripe encrypted
Instant delivery
Download now
30-day guarantee
Full refund
2,800+ subscribers
4.9★ avg rating
The transformation
Money disappears every month and you're not sure where it went.
You know exactly where every dollar goes and have a plan for next month by the 1st.
Who uses this
Setting up your first real budget
Paying off debt while building savings
Tracking where every dollar actually goes
Building an emergency fund faster
Planning for big irregular expenses (car, holidays, medical)
What's inside — sheet by sheet
Click each tab to explore what every sheet does.
Monthly Budget
18 pre-built categories. Every dollar assigned. Auto surplus/deficit calculation.
Everything included
6-sheet Excel workbook (.xlsx) + Google Sheets link
18 pre-built budget categories (fully editable)
Zero-based formula: every dollar assigned to a job
Automatic surplus/deficit and savings rate calculation
Sinking fund planner for 6 irregular expense categories
Debt payoff calculator: snowball + avalanche comparison
Full-year overview to identify high-spend months
Paycheck-based budgeting for bi-weekly pay
Setup guide (PDF) with category recommendations
Customer reviews
312 reviews
Sarah M.
✓ Verified2026-04-15
Finally, a budget that actually works
I've tried every app and spreadsheet. This is the first one that made me feel in control. Set it up in 20 minutes, paid off $3K in credit card debt in 4 months.
Use case: Debt payoff
47 people found this helpful
Marcus R.
✓ Verified2026-04-15
The sinking funds sheet alone is worth it
I used to get blindsided by car repairs and holiday spending. The sinking funds sheet made me realize I was $200/month short on those irregular expenses. Fixed it immediately.
Use case: Sinking funds
31 people found this helpful
Priya K.
✓ Verified2026-04-15
Switched from YNAB and saved $99/year
Does everything YNAB does but I own it forever. The annual overview helps me plan for tax season. Exactly what I needed.
Use case: Replacing YNAB
28 people found this helpful
Jordan T.
✓ Verified2026-04-15
Great spreadsheet, took 30 min to customize
The categories are mostly right for me but I had to add a few. Not hard to do. The debt payoff tab is incredible — seeing my payoff date motivated me to add $150/month extra.
Use case: Debt payoff
12 people found this helpful