Timeless Tuition

College Money Planner

Your college money.
Finally clear.

One spreadsheet for your budget, tuition, loans and savings. Type your numbers. It tells you where you stand.

Buy for $12 Try it right here

Google Sheets and Excel. No account. No bank login.

The planner's dashboard with example numbers: a monthly surplus of $188 and a $179 loan payment shown in green, a $900 tuition gap and 37% emergency fund shown in red, followed by seven plain-English notes.

The dashboard

Green means on track.
Red means look here.

Every number on the dashboard checks itself. You see what's fine and what needs you, at a glance.

The full dashboard: eight color-coded cards, seven plain-English notes, this month's planned vs. actual table with Food and groceries over budget by $20 in red, and three charts.

  1. Eight numbers that matter.

    Monthly surplus, tuition gap, loan payment, emergency fund and more. Each key card turns emerald or garnet on its own.

    Surplus: $188Emergency fund: 37%

  2. Plain English, not jargon.

    Seven short notes say what each number means and what to do next. No finance degree needed.

  3. Planned vs. actual.

    Every budget category for this month, from your Daily Log. Overspend and the row turns garnet.

    Food: over by $20

  4. See where it all goes.

    Spending by category, your savings over the next year, and your loan paid down to zero.

Try it

One check. Right now.

This is the first of the planner's checks. Change a number and watch it answer.

Monthly budget checkEdit the shaded cells
Left each month
$0

Assumes 10% withheld from wages. The full planner also counts your tuition gap.

New: Daily Log

Log it in ten seconds.
From your phone.

Put a Google Form on your home screen. Tap, type the amount, pick a category. It lands in your planner, and the dashboard keeps score.

Illustration of the form you'll make. The included guide takes about five minutes.
The Daily Log tab: each row has a timestamp, amount and category, such as $64.20 for Food and groceries on October 1.
The real Daily Log tab. Every entry feeds planned vs. actual.

  1. Make the form

    Three questions, step by step. Free with any Google account.

  2. Add it to your home screen

    Works on iPhone and Android. No app to install.

  3. Stay on budget

    Categories match your budget, so overspending shows up the same day.

New tabs

Three more answers.

Plan for the big stuff, test a what-if, and get a handle on your card.

Savings Goals

A laptop, a trip, a deposit. Enter what it costs and when. It tells you what to set aside each month, and whether your budget can cover it.

Savings Goals tab: a $1,200 laptop by August 2027 needs $100 a month. Total goals of $283 a month are $145 more than the budget leaves, shown in red.

Credit Card

See how much of your limit you're using and how many months your payment takes to reach $0. Over 30% turns garnet.

Credit Card tab: a $640 balance on a $1,500 limit is 43% utilization, shown in red, and is paid off in 10 months at $75 a month.

Scenario Compare

Two versions of your plan, side by side. Work five more hours, cut rent, borrow less. Green shows where Plan B wins.

Scenario Compare tab: Plan B with 20 work hours and lower expenses raises the monthly surplus from $188 to $606, shown in green.

Up and running in minutes.

  1. Make your copy

    After checkout you get a link. Open it in Google Sheets and make your own copy, or download the Excel file.

  2. Fill in the shaded cells

    Your pay, bills, tuition, aid and loans. Example numbers are already there, so you can see how it works first.

  3. Read your dashboard

    Green is good. Red needs a look. The notes tell you what each number means and what to do next.

Before you buy

What it doesn't do.

Better to know now.

Limits

  • It's an educational planning tool, not financial, tax or investment advice.
  • It uses simplified assumptions. For example, loan interest is estimated as if all loans are unsubsidized, which slightly overstates subsidized loans. Credit card payoff assumes a fixed APR and no new purchases.
  • It doesn't connect to your bank. You type the numbers yourself, or log them with your own Google Form.
  • Loan and IRA rules are U.S. federal rules for the 2026-27 school year.
  • Phone logging needs a free Google account and Google Sheets. In Excel, you type purchases into the Daily Log.

What you can check

  • Every formula is visible on a tab called The Math. Nothing is hidden or locked behind a password.
  • The 6.52% loan rate comes from the U.S. Department of Education. The $7,500 IRA limit comes from the IRS. Both are cited inside the file.
  • Your numbers stay in your own copy, and form entries go to your own Google account. I never see them.

Yours for life.

$12

No subscription. Use it every semester and update it whenever life changes.

  • Google Sheets version and Excel file
  • Color-coded dashboard, three charts and seven plain-English notes
  • Daily Log with planned vs. actual, plus a phone setup guide
  • Savings Goals, Scenario Compare and Credit Card tabs
  • Rates for the 2026-27 school year, with sources
Buy the planner

One-time purchase. Yours for life. All sales are final.

Checkout and delivery by Payhip.

Questions.

Do I need Excel?

No. It works in free Google Sheets. An Excel file is included if you prefer that.

I'm not good with spreadsheets. Will this work for me?

You only type into the shaded blue cells, and each one has a short note explaining what to enter. Everything else is protected so you can't break it by accident.

How does logging from my phone work?

You make a free Google Form with three questions (amount, category, note) and link it to your copy of the planner. The included guide walks you through it in about five minutes, including how to put it on your home screen.

Is my information private?

Yes. You work in your own copy of the file, and form entries go to your own Google account. There's no account with me, no bank connection, and nothing is sent to me.

Is this financial advice?

No. It's a planning and learning tool that runs your numbers through simple, visible formulas. For decisions about loans, taxes or investing, check with your school's financial aid office or a qualified professional.

Will it work if I'm not in the U.S.?

The budget, Daily Log, savings goals and credit card parts will. The loan rate and Roth IRA sections follow U.S. federal rules, so they won't apply elsewhere.

Can I get a refund?

One-time purchase. Yours for life. All sales are final. That's why this page shows real screenshots, a working sample check, and everything the planner doesn't do. If anything is unclear before you buy, email me and I'll answer.

Still have a question? Email me at Joseheur20@gmail.com