The 4-Bucket Budget Planner
Here's the full product description, written for Selar — covers the hook, the framework credibility, what's inside, and the purchase decision:
The 4-Bucket Budget Planner
You get paid. You cover your bills. And somehow, two weeks later, the money is gone — and you have no idea where.
That is not a spending problem. That is a structure problem.
Ramit Sethi — bestselling author of I Will Teach You To Be Rich — laid out the solution on the Mel Robbins Podcast in under a minute. Four buckets. Every pound you earn gets a home. Fixed Costs. Savings. Investments. Guilt-Free Spending. That is the entire framework.
I built this Excel template so you can actually use it every single month.
WHAT'S INSIDE
Budget Sheet — Enter your income and expenses once. All four buckets are pre-built, colour-coded, and separated. The only cells you touch are highlighted in yellow. Every total calculates automatically.
Summary Sheet — Your financial dashboard. See your Target Budget vs Actual Spend for every bucket, your Monthly Surplus, Annual Surplus, and Savings Rate — all live, no data entry needed.
Goals Tracker — List every financial goal, set a monthly contribution, and the template tells you exactly how many months until you get there. Emergency fund, house deposit, holiday, business startup — all mapped to a real countdown.
WHAT IT DOES FOR YOU
The moment your Fixed Costs exceed 60% of your income, the template flags it. That is your prompt to have a conversation with yourself — where can you cut back, however small, to restore the balance across all four buckets? That conversation is where real financial change begins. This template makes sure you have it every month.
WHAT YOU GET
- 1 × Excel file (.xlsx) — works in Microsoft Excel and Google Sheets
- 3 fully designed sheets — Budget, Summary, Goals
- Pre-loaded with real expense categories across all four buckets
- 10 savings goals pre-labelled and ready to personalise
- Fully automated — no formulas to write, no setup needed
- One-time purchase — yours to use every month, every year
THIS IS FOR YOU IF:
- You never know where your money goes at the end of the month
- You want a simple system — not a complicated spreadsheet
- You've heard about the four-bucket framework and want a ready-made tool
- You're serious about saving, investing, and still enjoying your money
One purchase. One download. One system.
Get it, open it, and know exactly where you stand — this month and every month after.