{"product_id":"classic-prosper-budget-spreadsheet","title":"Classic Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eClassic edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_Classic.xlsx: the Classic colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014599225516,"sku":"DERA-PROSPER-ULT-CLASSIC","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Classic__01_Dashboard_Hero.png?v=1793556867","url":"https:\/\/www.derabrand.com\/products\/classic-prosper-budget-spreadsheet","provider":"Dera Brand","version":"1.0","type":"link"}