Money Clear Kit is the spreadsheet + guide that gives you total clarity over your income, spending, savings, and debt — built for
real-world tax planning, in under 30 minutes.
No app. No subscription. One payment, yours forever.
Sound familiar?
You're not alone. These are the exact thoughts running through the heads of thousands of young professionals every
month.
The disappearing salary
You earn a good salary but your savings account never grows. The money just… vanishes.
App overload
You've tried budgeting apps but they feel like a second job — and none of
them actually fit your life.
Tax confusion
Taxes are confusing — you're not sure you're optimizing anything
or leaving money on the table.
The money talk
You and your partner keep having "the money talk" without ever resolving
it. No system, no clarity.
Investing feels impossible
You know you should invest but you don't even have 3 months of expenses saved
yet.
Bank account anxiety
You avoid checking your bank account because the number stresses you out. So nothing
changes.
You don't need another app. You need a system that works in 30 minutes and runs itself after that.
Everything you need. Nothing you don't.
Money Clear Kit is two products working together: a powerful spreadsheet that auto-calculates your entire financial picture, and a
plain-language guide that walks you through it step by step.
The Spreadsheet — 8 Connected Tabs
Monthly Budget across 15 categories — planned vs actual, auto-calculated
500-transaction log with dropdown categories that feed the budget automatically
Debt payoff calculator with months-to-freedom countdown using NPER formula
Savings goals with visual progress bars — like a loading bar for your financial goals
Net Worth tracker: assets vs liabilities across 8 categories each
Money Clear Score: your 0-100 financial health rating from 4 components
Works in Excel, Google Sheets, and LibreOffice. No subscriptions. No logins.
The PDF Guide — 20 Pages, Practical
The 3-Bucket System explained: Essentials, Savings, Lifestyle — the right split for any income
Emergency fund: exactly how much, and where to put it
Pensioensparen and tax advantages you're probably not using
Debt strategies: avalanche vs snowball — which one wins for your situation
Net worth tracking and why it matters more than your monthly balance
Automation: set it up once, let it run
Read in one sitting. Reference whenever you need. Plain language. No jargon walls.
Three steps. That's all it takes to go from financial fog to total clarity.
1
Fill In Your Setup — 10 min
Enter your income, essential costs, and savings goals. The spreadsheet builds your
personal budget automatically from this single tab. You fill in the green cells
— everything else calculates itself.
2
Log Your Spending — 5 min/week
Pick a category from the dropdown. Type the amount. That's it — the budget
updates itself. No formulas to write. No categories to create. Everything connects
automatically.
3
Check Your Score — 2 min/month
Open the Dashboard. See your Money Clear Score. Green = on track. Red = needs attention.
No guessing. No mental math. Just a number that tells you exactly where you
stand.
After the initial setup, you spend less time on your budget than you do choosing what to watch on Netflix.
Built for real life, not a textbook
Every feature in Money Clear Kit was designed to solve a specific problem that real professionals face. Here's what's
under the hood.
The Money Clear Score
Your financial health in one number. Four components — savings rate, emergency fund,
debt ratio, net worth trend — each scored 0-25. Total: 0-100. Track it monthly
and watch it climb. Colour-coded status so you know at a glance what needs attention.
Smart Categories
15 pre-built categories (Housing, Groceries, Transport, Insurance, Subscriptions, Dining
out…) with dropdown menus. No typos, no mismatches. Every transaction lands in
the right bucket automatically — and feeds your monthly budget without any extra
work.
Debt Freedom Countdown
Enter your debts, interest rates, and payments. The spreadsheet calculates exactly
how many months until each debt is gone using the NPER formula. It even warns you
if your payment is too low to ever pay it off — a feature most people wish they'd
had years earlier.
Visual Progress Bars
Your savings goals show filled and empty blocks — like a loading bar for your financial
goals. Satisfying to watch. Motivating to fill. Auto-calculated percentages update
every time you log a transaction.
Couples-Ready
The Setup tab handles two incomes natively. Enter both salaries, split essentials,
and see exactly what each person contributes and keeps. No more "the money
talk" — just a shared system you both understand.
Works Offline, Forever
No servers. No subscriptions. No "your trial has expired." It's an Excel
file. It works on your laptop, forever. All formulas are visible and editable —
nothing is hidden or locked. If you're a spreadsheet person, you'll love
this.
Why people trust Money Clear
Skepticism is healthy — especially with financial tools. Here's why Money Clear Kit is different from every generic template you've
seen before.
Built for clarity
This isn't a generic template. Every formula, every category,
every piece of advice accounts for real-world tax planning, savings products, and
financial structure — from tax brackets to retirement savings.
Transparent Formulas
Every cell is visible. Nothing is hidden or locked. You can inspect, modify, and
learn from every calculation. If you're a spreadsheet person, you'll
love this. If you're not, the colour system guides you perfectly.
No Recurring Fees
You pay once. You own it. No monthly charges, no premium tiers, no "upgrade
to unlock." The full kit, forever. Less than one restaurant dinner to
organize your entire financial life.
Created by someone who's been there
Built by someone who navigated the same system — the same tax brackets, the same
pension rules, the same "where did my salary go?" panic. This isn't
theoretical advice from someone who's never filed a tax return.
"I set it up on a Sunday afternoon and for the first time in my life I actually know my net worth." —
Thomas, 31, Antwerp
Not ready to buy? Start with the free guide.
The 3-Step Money Reset — a free 6-page PDF that shows you exactly how to split your paycheck, build a safety net, and
automate your finances. No fluff. Takes 15 minutes to read, one weekend to implement.
The 3-Bucket System
How to split every paycheck — and why 50/30/20 is wrong for most people. The
right split for your income level and lifestyle.
The Exact Savings Account to Use
The right savings account — and why it matters for your taxes. Most people
have the wrong account and are leaving guaranteed returns on the table.
A Weekend Action Plan
Set up your entire financial foundation in 2 hours. A step-by-step plan you can
start this Saturday morning and finish before lunch.
Everything you need to know before you decide. If your question isn't here, reach out directly.
Does this work in Google Sheets?
Yes. The spreadsheet works in Excel, Google Sheets, and LibreOffice. All formulas and dropdowns
function across platforms. No compatibility issues, no missing features.
I'm not good with spreadsheets. Is this for me?
Yes. Every cell you need to fill in is coloured green. Everything that calculates automatically
is yellow. You can't break it by entering data in the wrong place — the colour
system guides you the entire way.
Will this work no matter where I live?
Yes — both the spreadsheet and the guide are designed to work no matter where you live. The principles are universal: track income, control spending, build savings, and stay out of debt.
What if I'm in a relationship? Does it handle two incomes?
Yes. The Setup tab has fields for both Partner 1 and Partner 2 income. The budget calculations
adjust automatically. No more splitting costs on a napkin.
Do I need to enter transactions every day?
No. Most people batch-enter once a week (5 minutes). Some do it daily. The system works
either way — there's no penalty for batching, and no reward for obsessing over
it daily.
What if I already have debt? Is this useful?
Especially then. The Debt Payoff tab calculates exactly how many months each debt will
take to pay off and warns you if your payments are too low. It's one of the most
popular tabs.
Is there a subscription or hidden fee?
No. You pay once, you own it forever. No subscriptions, no premium tiers, no accounts to
create. The full kit, delivered to your inbox, yours to keep.
Can I see a demo before buying?
The free "3-Step Money Reset" guide gives you the core framework. If
you want to see the spreadsheet in action, check our TikTok/Instagram for walkthroughs.
Can I make my own spreadsheet instead?
You can. This one took 40+ hours to build, test, and document. Your time is worth more
than €14.99 — and this version already accounts for real-world tax planning, pension products,
and dual-income households.
Most people who buy Money Clear Kit complete their initial setup the same day it arrives in their inbox. The hardest part is starting —
and the kit makes that easy.
Your money won't organize itself.
30 minutes of setup. A lifetime of clarity.
Free Starting Point
The 3-Step Money Reset gives you the framework — the 3-Bucket System, the right savings account,
and a weekend action plan. Free. No commitment. 15 minutes to read.