Steward — Your Monthly Budget Spreadsheet

📥 Instant digital download — delivered to your email immediately after purchase.

What you get:

• Google Sheets monthly budget spreadsheet (works on desktop, tablet, and mobile)
• Steward Score dashboard — your financial health scored out of 100 across 5 areas
• Subscription audit tool — find and cancel what you don't use
• Financial goals tracker with automatic monthly savings calculator
• Step-by-step PDF setup guide — takes 30 minutes to fill in
• Lifetime access — yours to keep and reuse every month

Wealth doesn't start with business, it begins with management.

Most people have no idea where their money actually goes. They earn it, they spend it, and at the end of the month there is nothing left, and they wonder why they can't build wealth.

Steward fixes that.

It is a simple monthly budget spreadsheet built on one principle: pay yourself first. That means your savings and investments come before your expenses — not after. The way people who actually build wealth do it.

How it works:

• Blue cells are where you type. Everything else calculates automatically.
• Savings and investments come before expenses — the spreadsheet is structured this way on purpose.
• Tithes auto-calculated at 10% (optional — set to 0 if you prefer).
• Colour-coded results — green means good, red means there is a problem, amber means room to improve.
• Protected cells so you cannot accidentally break any formulas.

The Steward Score:

Your financial health in one number. Scored out of 100 across five areas:

• Generosity — how much you give
• Growth — how much you invest in yourself and your future
• Savings — how much you are putting away
• Control — whether you spend less than you earn
• Freedom — how little of your income is tied up in debt

Each area is colour-coded with a letter grade from A to F. You will know exactly where you are strong and where you need to focus.

Works for UK and US:

ISA or Roth IRA, council tax or property tax — the spreadsheet works regardless of where you are.

Takes 30 minutes to fill in. You will never wonder where your money went again.

Want the full system? Add The Financial Roadmap.

Steward tracks your numbers. The Financial Roadmap tells you what those numbers should look like — and gives you a 90-day, stage-by-stage plan to get there. Covers debt elimination, emergency funds, investing, and wealth building with UK and US toolkits.

→ Get The Financial Roadmap (£29.99)

Disclaimer: This product is for general financial education and informational purposes only. It does not constitute financial advice, investment advice, tax advice, or any other form of regulated advice. The creator is not a licensed or regulated financial adviser, and this product is not regulated by the Financial Conduct Authority (FCA), the Securities and Exchange Commission (SEC), or any other financial regulatory body. The information provided should not be relied upon as a substitute for professional financial advice tailored to your individual circumstances. Before making any financial decisions — including those related to savings, investments, pensions, ISAs, or retirement accounts — you should consult a qualified, regulated financial adviser. Your financial situation is unique, and what works for one person may not be appropriate for another. Past performance of any investment or strategy referenced is not a guarantee of future results. Use this product at your own discretion and risk.