# sheetfolk vs a free zero-based budget sheet

A free zero-based sheet gives every dollar a job first. sheetfolk is a one-time planned-vs-actual workbook.

Comparison

|  | sheetfolk | A free zero-based sheet |
| --- | --- | --- |
| Price | $5–$24 one-time | Free |
| Method | Planned vs actual | Give every dollar a job before the month starts |
| Platform | .xlsx. Opens in Excel, LibreOffice or Google Sheets. | Usually a spreadsheet you copy |
| 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 zero-based sheet gives every dollar a job first. sheetfolk is a one-time planned-vs-actual workbook. 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

**Is sheetfolk zero-based?**
No. sheetfolk files track planned vs actual. A free zero-based sheet is the one that assigns every dollar before you spend it.

**What does $15 buy?**
The 2026 Ultimate Budget Bundle, once: budget, sinking funds, debt, net worth, savings rate and goals. It is not a subscription.

## Related guides

- [sheetfolk vs a free envelope sheet](/compare/sheetfolk-vs-free-envelope-budget/)
- [50/30/20 vs Zero-Based Budget Spreadsheet](/blog/50-30-20-vs-zero-based-budget-spreadsheet/)

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Updated October 2026