# One-time budget file vs a bank-sync subscription

A bank-sync subscription imports transactions for a recurring fee. sheetfolk is a one-time file you fill in yourself.

Comparison

|  | sheetfolk | A bank-sync subscription |
| --- | --- | --- |
| Price | $5–$24 one-time | A recurring subscription |
| Bank feeds | None. You type transactions in. | Imports transactions from the bank |
| File | .xlsx you keep. Opens in Excel, LibreOffice or Google Sheets. | A spreadsheet tied to the subscription |
| What you get | A workbook for one situation: a year dashboard, a couples split, or sinking funds | Budgets built on imported transactions |
| Ongoing cost | None after you buy | Renews while you keep the sync |

## The difference

A bank-sync subscription imports transactions for a recurring fee. sheetfolk is a one-time file you fill in yourself. The buy button on this page is the 2026 Ultimate Budget Bundle, $15 once.

The sheetfolk pick

## 2026 Ultimate Budget Bundle · $15

Every household tracker in one linked workbook, all feeding one dashboard.

[Buy the bundle $15](/buy/annual-bundle/) · [See what's inside](/templates/2026-ultimate-budget-bundle/)

## Questions

**Does sheetfolk connect to my bank?**
No. You type numbers into an .xlsx. A bank-sync subscription is the kind of product that imports transactions and charges again later.

**What does the one-time file include?**
The 2026 Ultimate Budget Bundle is $15 once. It links budget, sinking funds, debt, net worth, savings rate and goals. The buy button opens that checkout.

## Related guides

- [Alternatives to a bank-sync subscription](/alternatives/bank-sync-budget-alternatives/)
- [Free sheet, bank sync, or a one-time file](/blog/free-sheet-vs-bank-sync-vs-sheetfolk/)

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Updated October 2026