Kelp Ledger2027 Money Reset
Budget, bills, debt payoff and savings goals in one calm workspace.
RESET9 until 30 November 2026, 23:59 UTC (the button above applies it). Regular price $12.
Everything your money year needs, nothing it doesn't
Six linked databases behind one dashboard. Log a transaction, pick its category and month, and the budget and month totals follow from it.
Monthly budget
Categories grouped into needs, wants, savings and debt. A status column shows OK, at limit or over at a glance.
Bills & subscriptions
Add a bill once (weekly, monthly, quarterly or yearly). The next due date rolls forward on its own.
Subscriptions audit
Mark each subscription keep, review or cancel and see what each one costs you a year.
Debt payoff
Snowball and avalanche views, months to payoff, an estimated payoff date and paid-off progress for every debt.
Savings goals
Target, deadline, progress, and exactly how much you need to set aside each month to land on time.
Month pages & year review
A row for every month (you choose the month when you log a transaction; nothing is assigned automatically), income vs spending by month, your savings rate and a few honest reflection prompts.
Screenshots are from the actual Notion template, filled with fictional sample data. Amounts are plain numbers in whatever currency you use.
Use Notion, a spreadsheet, or both
Notion template
After purchase, duplicate it into your own workspace. It has a dashboard with four quick-add buttons and month tracking. The core tables work on Notion's free plan. Notion's free plan allows one chart; the other chart views need a paid Notion plan.
- 6 linked databases + dashboard
- 4 quick-add buttons: expense, income, savings, debt payment
- Bills list with next due dates and a subscriptions audit
Google Sheets / Excel planner
A standalone .xlsx with working formulas and charts. Open it in Google Sheets, Excel or LibreOffice.
- 12-month budget vs actual, plus a month view
- Snowball vs avalanche calculated month by month, up to 8 debts
- Bills, savings goals and a year dashboard
Money Reset Lite
A smaller, free Notion version: a monthly budget and a bills tracker. Duplicate it into your own workspace. It uses plain numbers, so any currency works, and “this month” follows the date automatically.
- 3 databases: Categories, Transactions, Bills & Subscriptions
- Dashboard with 2 add buttons (expense and income)
- Budget this month, by date
- Bills with next due dates and a subscription check
- Not included: charts, debts, savings goals, year review or the spreadsheet. Those are in the full template.
2027 Money Reset
Launch price with code RESET9 until 30 November 2026, 23:59 UTC, then $12. One-time payment in US dollars through Gumroad. 14-day fix-or-refund guarantee.
After the launch: full template at the regular $12 price.
- Notion template (duplicate link in your receipt)
- Google Sheets / Excel planner (.xlsx)
- Budget, bills, debts, savings goals, month tracking, year review
- 4 quick-add buttons in Notion
- Any currency · sample data included
- 14-day fix-or-refund guarantee
- Checkout and receipts handled by Gumroad
Questions, answered
Do I need a paid Notion plan?
No for the core: all the tables, buttons and views work on Notion's free plan. Charts are the exception. Notion's free plan allows one chart, so the other chart views need a paid Notion plan. The tables show the same numbers either way.
Does it file transactions into months automatically?
No. When you add a transaction you pick its month (and category) yourself. The month and year review totals come from what you've linked.
Does it work with my currency?
Yes. Amounts are plain numbers, so use your own currency throughout.
Can I use it without Notion?
Yes. The Google Sheets / Excel planner is a complete standalone version with a budget, bills, debts and goals.
Snowball or avalanche: which should I pick?
Avalanche (highest interest first) usually costs the least interest. Snowball (smallest balance first) gives quicker wins. The spreadsheet shows both side by side for your own numbers so you can decide. It's a calculator, not a recommendation.
Does it connect to my bank?
No. Nothing is linked or uploaded. You enter your own numbers, and your data stays in your Notion workspace or spreadsheet.
Is it only for 2027?
It's set up for 2027, but you can change the year (one cell in the spreadsheet, one number in Notion) and reuse it.
How do I get it after buying?
Your Gumroad receipt has a button to duplicate the Notion template and a download link for the spreadsheet.
What about refunds?
If something doesn't work as described, email hello@kelpledger.com within 14 days and we'll fix it or refund you. See the terms.
Is this financial advice?
No. It's an organising tool. For decisions about debt, tax or investing, talk to a qualified adviser.
Not financial advice. Kelp Ledger templates are tools for personal organisation only. They aren't financial, tax or legal advice, and all calculations, including debt payoff estimates, are estimates that assume fixed rates.