CheatCode Household Budget Tool
Automated Excel Budget Tracker for Busy Households
$10.00
Finally—A Budget That Actually Works With Your Life
You know you need a budget. You've probably tried creating one in Excel, only to get frustrated with broken formulas, confusing layouts, or spending hours setting up something that looks nothing like your actual life.
Here's the truth: Budgeting isn't hard. Bad tools make it hard.
Most budget spreadsheets are either too complicated (endless formulas and tabs) or too simple (glorified lists that don't actually help). The CheatCode Household Budget Tool is different—it's the exact middle ground between powerful and practical.
This is the budget tool Garrett Duyck built for real households—the same system he used starting on a $38,790 salary to master his money, build emergency savings, and create the foundation for $50,000+ in annual passive income. While raising four kids. Without working more than 40 hours a week.
What Makes This Budget Tool Different?
✅ Plug-and-Play Simplicity
No setup headaches. No YouTube tutorials required. Just open it, input your numbers in the clearly labeled fields, and watch it calculate everything automatically. Your budget is ready in minutes, not hours.
✅ Built for Real Households
Whether you're single, married, with kids, or managing irregular income—this tool adapts to YOUR life. It accounts for:
Fixed expenses (rent, insurance, car payments)
Variable expenses (groceries, utilities, gas)
Irregular expenses (annual subscriptions, quarterly bills)
Multiple income streams
Savings goals and emergency funds
Debt payoff tracking
✅ Automated Calculations (No Formula Headaches)
The formulas are already built—and protected—so you can't accidentally break anything. Just input your numbers and let the spreadsheet do the math:
Automatic income vs. expense totals
Real-time surplus/deficit tracking
Category spending percentages
Monthly vs. annual expense conversions
Goal progress indicators
✅ Clean, Scannable Design
No cluttered cells or confusing layouts. Everything is organized logically with clear sections, color-coded categories, and easy-to-read fonts. You can see your entire financial picture at a glance.
✅ Compatible & Customizable
Works with Microsoft Excel (Windows and Mac) and can be opened in Google Sheets for free cloud-based access. Customize categories to match your specific expenses—add, remove, or rename anything to fit your household.
Here's Exactly What You Can Do With This Tool:
✔️ Track every dollar without manually calculating anything
✔️ See where your money actually goes (no more "Where did it all go?" moments)
✔️ Plan for irregular expenses like car insurance, holidays, and home repairs
✔️ Set and monitor savings goals (emergency fund, vacation, down payment, etc.)
✔️ Manage debt payoff with dedicated tracking sections
✔️ Compare monthly spending to identify patterns and opportunities
✔️ Adjust on the fly when life changes (new job, pay raise, unexpected expense)
✔️ Keep everything in one place instead of scattered notes and apps
Who This Budget Tool Is For
✔️ Employed individuals and families who need a practical system (not an accounting degree)
✔️ Busy professionals and parents who don't have hours to manage spreadsheets
✔️ People who've tried budgeting apps but want more control and privacy
✔️ Excel beginners who want something that "just works" without formulas
✔️ Anyone living paycheck-to-paycheck who needs visibility into their cash flow
✔️ Households with irregular income (freelancers, commission earners, seasonal workers)
✔️ Budget veterans who want a cleaner, more efficient tool
Who This Tool Is NOT For
❌ People who want a mobile app (this is Excel-based for desktop/laptop use)
❌ Those seeking automatic bank account syncing (this is manual input for privacy)
❌ Anyone not willing to spend 10-15 minutes weekly updating their budget
❌ People looking for investment tracking (this is budgeting-focused)
What You Get Immediately
📊 CheatCode Household Budget Tool (Excel .xlsx file)
📥 Instant digital download—no waiting, no shipping
💾 Lifetime access—download once, use forever
🔄 Free updates if we release improved versions
📱 Works on PC, Mac, and Google Sheets
The Real Cost of NOT Having a Budget
Think about it: How much money slipped through your fingers last month because you didn't have a clear system?
$50 in forgotten subscriptions?
$200 in impulse purchases you didn't track?
$100+ in late fees or overdraft charges?
Lost opportunities to save or invest because you didn't know you had the margin?
This tool costs less than one dinner out—but it could save you hundreds (or thousands) in the next 12 months just by giving you visibility and control.
It's Time to Take Control
You don't need a finance degree to manage your money well. You don't need to spend hours building spreadsheets from scratch. You just need a tool that works—one that's simple enough to use consistently but powerful enough to give you real insights.
The CheatCode Household Budget Tool is exactly that.
For the price of lunch, you're getting the same budgeting foundation that helped Garrett escape the paycheck-to-paycheck trap and build lasting wealth. No job shaming. No burnout. Just smart systems that work.
🎯 Get instant access now
Questions? Email us at support@cheatcodewealth.com. We're here to help you succeed.
30‑Day Satisfaction Guarantee. Not happy? Request store credit equal to your purchase price within 30 days. Email support@cheatcodewealth.com. See full policy: Refund Policy.
Frequently Asked Questions
Q: Do I need to be good at Excel to use this?
A: Nope! If you can type numbers into cells, you can use this tool. All formulas are built-in and protected—you literally just fill in the labeled fields.
Q: Will this work on a Mac?
A: Yes! It works with Excel for Mac and can also be uploaded to Google Sheets for free cloud-based access.
Q: Can I customize the categories?
A: Absolutely. While it comes with standard budget categories, you can easily add, remove, or rename any category to match your household's specific needs.
Q: Does this sync with my bank account?
A: No—this is a manual input tool, which actually gives you better privacy and more intentional awareness of your spending. You'll update it weekly or monthly based on your transactions.
Q: What if I have irregular income?
A: The tool is designed to handle variable income! You can input different amounts each month and see how it affects your budget in real-time.
Q: Is this a one-time purchase or subscription?
A: One-time purchase, lifetime access. No recurring fees, no upsells on the tool itself.
Q: What format is the download?
A: Excel .xlsx file format—compatible with Microsoft Excel (Windows/Mac) and Google Sheets.
Q: Can I share this with my spouse/partner?
A: Yes! Use it together on as many devices as you household needs.