# sheetfolk vs a free envelope budget sheet

A free envelope sheet assigns every dollar to a category. sheetfolk is a one-time planned-vs-actual file.

Comparison

|  | sheetfolk | A free envelope sheet |
| --- | --- | --- |
| Price | $5–$24 one-time | Free |
| Method | Planned vs actual, plus sinking funds on the paid files | Every dollar assigned to a category |
| Platform | .xlsx. Opens in Excel, LibreOffice or Google Sheets. | Often Google Sheets only |
| Data entry | You type transactions in | You type transactions in |
| Support | Email support (hello@sheetfolk.com) | Whatever the free file includes |

## The difference

A free envelope sheet assigns every dollar to a category. sheetfolk is a one-time planned-vs-actual file. The buy button 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 use envelope categories?**
No. sheetfolk files are planned vs actual. A free envelope sheet is the one that assigns every dollar to a category before you spend it.

**What am I buying?**
The 2026 Ultimate Budget Bundle, $15 once: budget, sinking funds, debt, net worth, savings rate and goals on one dashboard.

## Related guides

- [Alternatives to a free envelope sheet](/alternatives/envelope-budget-spreadsheet-alternatives/)
- [sheetfolk vs a free zero-based sheet](/compare/sheetfolk-vs-free-zero-based-sheet/)

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Updated October 2026