Savings Challenge Printables + Google Sheets Tracker
8 savings challenges — 100 envelope, 52 week, $1k, $5k, $10k and a $500 low-income version — as printable trackers plus a Google Sheets tracker that adds it up for you.
- ✓8 challenges: 100 envelope ($5,050), 52 week, $1k, $5k, $10k and a $500 low-income version
- ✓Printable trackers (US Letter PDF) to color in
- ✓Google Sheets / Excel tracker that totals every challenge
- ✓Every box adds up exactly to the goal
- ✓A "which one should I pick?" guide
9-page printable PDF (US Letter) · Google Sheets & Excel tracker · no macros
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What's inside: 10 tabs
| Start Here | How to open it in Google Sheets or Excel, in 5 steps. |
|---|---|
| My Challenges | Progress on every challenge in one place. |
| 100 Envelope | Number 100 envelopes $1 to $100. Pick any envelope, put in that many dollars and cross it off. All 100 = $5,050. |
| 50 Envelope | The same idea with envelopes $1 to $50 — easier to finish. All 50 = $1,275. |
| 52 Week | Save $1 in week 1, $2 in week 2 … $52 in week 52. Do it backwards ($52 first) when money is tighter at year end. |
| 52 Week Double | Save $2 in week 1, $4 in week 2 … $104 in week 52. |
| $1,000 | 40 boxes of $10 to $40. Save any box when you can and color it in. |
| $5,000 | 52 boxes of $50 to $150 — about one a week for a year. |
| $10,000 | 52 boxes of $100 to $275 — about one a week for a year. |
| $500 Low-Income | 50 small boxes of $5 to $20. Built for tight budgets: skip a week, keep going. |
Same math as our free 100 envelope challenge guide — we test the spreadsheet against it before every release. Example numbers are filled in; type over them with yours.
Questions
How much does the 100 envelope challenge save?+
$5,050 — envelopes numbered $1 to $100 add up to 1 + 2 + … + 100 = $5,050. Two envelopes a week finishes it in 50 weeks.
Which challenge should I start with?+
If money is tight, the $500 low-income challenge or the 52 week challenge ($1,378). If you can save about $100 a week, the 100 envelope challenge. For bigger goals, the $5,000 or $10,000 challenge.
Does it work in Google Sheets?+
Yes. Upload the .xlsx file to Google Drive, open it with Google Sheets and choose File → Save as Google Sheets. The PDF guide shows each step. It also opens directly in Excel 2010 or newer, Excel for Mac and Excel on the web.
Why is it free?+
It's free while we launch. Later it will cost the price shown, and anything you download now stays yours. We ask for your first name and email so we can send you updates and our weekly money email; you can unsubscribe anytime.
Is there anything to install, or any macros?+
No. It's live formulas only — no macros, add-ons or sign-in — and nothing you type leaves your computer.
For education and planning only — not financial, tax or legal advice. Personal use; please don't resell or share the file.
