Stuff the envelopes. The sheet does the math.
A Google Sheets tracker made for cash stuffing: which bills to pull on payday, what's left in every envelope, sinking funds, and a cash count that checks your real envelopes match.
Instant download · Works in free Google Sheets · Checkout on Etsy
The cash is in the envelopes. The math is in your head.
Payday at the teller
You need $785 across 13 envelopes and you're doing the 20s, 10s and 5s on a napkin.
"How much is left in Groceries?"
The only way to know is to open the envelope and count it again.
Sinking funds drift
Holidays and car repairs get cash some weeks and not others, and there's no target date.
7 reasons cash stuffers add the sheet
It tells you which bills to pull
The Cash Plan tab lists the exact bills for each envelope, so the bank visit is one line to read out.
From the included Example: "Ask the teller for: 35 × $20 · 6 × $10 · 5 × $5."
Every envelope, one screen
The Dashboard shows cash in all envelopes, what you've spent since stuffing day, and each envelope with a bar and a status.
Up to 16 envelopes. Each is Spending or Sinking fund.
Stuffing days follow your paydays
Weekly, every 2 weeks, twice a month or monthly. Tick each envelope as you fill it.
Stuffing Days tab: one row per payday, up to 53, with a real checkbox for every envelope.
Already stuffing cash? Add the tracker that matches.
See the Cash Envelope System →Keep or Sweep leftovers
Choose per envelope: leftover cash stays put, or gets swept to savings on stuffing day. The sweep total adds up on the Dashboard.
Sinking funds with a finish line
Give Holidays or Car repairs a target and a date. The sheet shows "on track" or how much more each payday.
A cash count you can trust
Type how many of each bill and coin you have. A green tick appears when your cash matches the sheet.
Paper fans: there's a printable pack
Prefer pen and paper next to your envelopes? The Cash Envelope Printable Pack has 17 undated pages, including tracker cards for 13 envelopes and a DIY envelope.
Set up once, then a few minutes per payday
- Download the PDF guide on Etsy and tap the link to make your own copy in Google Sheets.
- Fill in Start Here: your name, how often you're paid, your first stuffing day and your envelopes (about 20 minutes).
- Each payday: pull the bills Cash Plan lists, fill and tick each envelope.
- Each purchase: one line in the Spending Log. The Dashboard shows what's left.
Start free, add what you need
Cash Envelope System (Google Sheets)6 connected tabs, Example + Blank, Start Here guide PDF. Dark mode; a Light version is also in the shop.
Cash Envelope Printable Pack (PDF)17 undated pages, US Letter + A4, print at home.
Ready for the rest of your money? Complete Money Library11 Google Sheets templates (budget, bills, debt, savings, net worth and more) + 2 bonuses. The Cash Envelope System is sold separately.
What you're getting
- Product
- Cash Envelope System, a Google Sheets template for the cash envelope method (cash stuffing)
- Includes
- Start Here guide PDF with copy links, quick start, tips and FAQ
- Example version (sample household, 13 envelopes, 5 stuffing days)
- Blank version for your own envelopes
- 6 tabs: Start Here, Dashboard, Envelopes, Stuffing Days, Cash Plan, Spending Log (300 rows)
- Format
- Google Sheets. Needs a free Google account. Built for Google Sheets, not Excel. Dark mode; a Light version is sold separately.
- Price
- As listed on Etsy. Check the listing for any current sale.
- Delivery
- Instant digital download on Etsy: a PDF guide with links to copy the template. No physical item shipped.
- Good to know
- Does not connect to your bank. You type your own amounts. A planning tool, not financial advice.
- Also available
- Cash Envelope Printable Pack (17 undated PDF pages, US Letter + A4) · Complete Money Library (11 templates + 2 bonuses)
Made for
- People who already budget with physical cash envelopes
- Anyone who wants the counting and the math done for them
- Paper fans who want a matching digital record
Not for
- Anyone wanting a bank-linked budgeting app
- Excel-only users
- Anyone who wants physical envelopes shipped
The numbers in our pictures come from the included Example, a sample household. No reviews yet, and we won't invent any.
FAQ
Do I need to pay for Google Sheets?
No. It works in free Google Sheets, including the phone app. You need a free Google account.
Does it connect to my bank?
No. There are no account numbers or passwords, just envelope names and amounts you type.
Can I use it in Excel?
You can download it as .xlsx, but some features may look or work differently. It's built for Google Sheets.
How many envelopes can I track?
Up to 16 envelopes, as spending envelopes or sinking funds.
What if something isn't working?
Message the shop on Etsy and we'll help. Because it's digital, returns and exchanges aren't accepted.
Your envelopes, finally counted for you
Start with the free envelope, or go straight to the full system.
Instant download · Google Sheets · Checkout on Etsy