Hearth Budget Split my pay
For families, couples & first budgets

A budget the whole house can actually keep.

Plan the month, log spending once a week, and watch savings goals fill up. A spreadsheet you own and printable pages for the fridge.

Find your budget sheetSplit my pay
  • Pay yourself firstSavings go out on payday.
  • Weekly, not dailyTen minutes on Sunday.
  • Every dollar a jobPlanned before it's spent.
  • Goals with datesMonths to go, not 'someday'.
Sound familiar?

Why budgets get abandoned

  1. Too detailed to keep up

    Logging every coffee daily is exhausting. A weekly check-in is enough to stay on track.

  2. Savings are whatever's left

    Usually that's nothing. Move savings on payday and budget the rest.

  3. Irregular costs surprise you

    Car repairs and birthdays happen every year. A small monthly amount turns shocks into plans.

Packages

Paper, spreadsheet, or both

Pick the one you'll actually use.

Starter

Printable Monthly Budget Planner

$6 one-time

Best for: A paper budget on the fridge, filled in with a pen.

  • Yearly overview and bills & due dates pages
  • Monthly budget page (copy for each month)
  • Spending tracker
  • Savings goals and debt payoff pages
  • Letter size, prints in black and white
View Starter

Pro

Household Budget & Savings Tracker

$12 one-time

Best for: Tracking the month properly: budget vs actual and savings goals.

  • Budget by category, tagged need, want or saving
  • Transaction log with who-spent column
  • This month: budget vs actual and what's left
  • Needs / wants / savings vs your targets
  • Six savings goals with months to go and target dates
View Pro
Save $3 vs separately

Complete

Hearth Complete Budget Set

$15 one-time

Best for: Spreadsheet for the numbers, paper for the fridge.

  • Household Budget & Savings Tracker (xlsx)
  • Printable Monthly Budget Planner (pdf)
View Complete

PayPal, card (via PayPal) or Bitcoin · instant download link by email · 30-day fix-or-refund

Look inside

What the files actually contain

Generated from the real Household Budget & Savings Tracker.

Full preview
Settings

Settings

Setting · Value

Summary

This month

Take-home pay · Spent on needs · Spent on wants · Put into savings · Needs as % of pay (target in Settings)

Sheet

Budget

Category · Type · Monthly budget · Actual this month · Left · Status

FAQ

Questions, answered honestly

Does it connect to my bank?

No, on purpose. You copy spending in once a week, which keeps you aware of it and keeps your data off third-party servers.

Can two of us use it?

Yes. There's a 'Who' column, and you can share the file in Google Drive.

Is 50/30/20 required?

No. Set your own targets in Settings; the tracker shows how close you are.

How do I pay, and do you accept cards?

PayPal, or a debit/credit card through PayPal's checkout where PayPal offers guest checkout. You can also pay with Bitcoin (on-chain).

When do I receive my files?

PayPal: a private download link is emailed to your PayPal address, usually within about 15 minutes. Bitcoin: email your order code to eclipsekingdom.support@gmail.com; the link follows one blockchain confirmation. Links stay valid for 30 days.

What if a file doesn't work for me?

Email eclipsekingdom.support@gmail.com within 30 days and we'll fix it or refund you (PayPal refunds via PayPal; Bitcoin refunds in BTC for the USD value paid). See terms & refunds.

Free tools

Free tools that show their working

Nothing you type leaves your device.

All tools

Savings Goal Calculator

How long until you reach a savings goal at your monthly amount, and what you'd need to save each month to get there in a year.

Open calculator →

How buying works

Pay with PayPal, card or Bitcoin. No account needed

  1. PayPal or card

    Finish on paypal.com. We email a private download link to your PayPal email once PayPal's payment notification reaches us, usually within about 15 minutes. Check spam too.

  2. Bitcoin

    Send the exact BTC amount shown, then email the order code to eclipsekingdom.support@gmail.com. After one blockchain confirmation we reply with your private link.

  3. Download

    Your private link works for 30 days. Lost it? Email eclipsekingdom.support@gmail.com and we'll resend it.

Where should this month's pay go?

Enter your take-home pay and see a needs / wants / savings split.

Split my pay