Guias gratuitos
Guias de orçamento e Google Sheets
Fundos para despesas futuras, orçamentos a dois, fórmulas e muito mais, escritos pela mesma equipa que cria os modelos sheetfolk.
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12 de julho de 2026
Deduções de motoristas TVDE em Portugal: a lista realista para 2026
O que conta como despesa para um motorista de Uber, Bolt ou FreeNow em Portugal, e porque no regime simplificado quase nada reduz o imposto.
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12 de julho de 2026
Despesas de fotógrafos em Portugal: regime simplificado, IVA e Segurança Social
Fotógrafos com atividade aberta: coeficiente do regime simplificado, regra dos 15% no e-fatura, isenção de IVA e contribuições trimestrais.
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12 de julho de 2026
Folha de cálculo para motoristas TVDE: o que registar e porquê
Guia para motoristas de Uber, Bolt e FreeNow em Portugal: o que a folha tem de registar sob a lei TVDE e o regime simplificado do IRS.
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12 de julho de 2026
Folha de despesas para fotógrafos: clientes, categorias e o calendário fiscal português
Como montar a folha de um fotógrafo em Portugal: rendimento por cliente, categorias do e-fatura e reserva para IRS, IVA e Segurança Social.
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12 de julho de 2026
Registar quilómetros em TVDE: para que serve mesmo em Portugal
Em Portugal não há dedução por quilómetro para independentes no regime simplificado. Veja o que o registo serve mesmo e como montá-lo.
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11 de julho de 2026
Bola de neve ou avalanche de dívidas: comparação no Google Sheets
Compare os métodos bola de neve e avalanche com um exemplo de juros e crie no Google Sheets um registo de saldos, APR e prazos.
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11 de julho de 2026
Calculadora proporcional de despesas do casal no Google Sheets
Divida as despesas em proporção aos rendimentos, em vez de 50/50, com um exemplo completo e as fórmulas para Google Sheets.
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11 de julho de 2026
Registo da taxa de poupança no Google Sheets: meça o progresso real
Calcule a taxa de poupança com rendimentos e poupanças reais, perceba o que a altera e acompanhe a evolução mensal.
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11 de julho de 2026
Registo de lucros e comissões da Etsy no Google Sheets
Crie um registo por encomenda que calcula o lucro depois de comissões, portes e materiais, não apenas as vendas brutas.
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11 de julho de 2026
Reserva trimestral no Google Sheets para independentes em Portugal
Uma folha para separar todos os meses o dinheiro do IRS, do IVA trimestral e da Segurança Social, com os prazos legais portugueses.
Mais guias em inglês
Estes guias ainda não estão traduzidos; abrem em inglês.
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July 11, 2026
Etsy Fee & Profit Calculator: How Much You Actually Keep Per Order (Free Spreadsheet Walkthrough)
Discover how to calculate your actual earnings on Etsy after fees with our free spreadsheet, plus tips for maximizing your profits.
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July 25, 2026
Etsy Fee & Profit Calculator: How Much You Keep Per Order (Free Spreadsheet Walkthrough)
Learn how to calculate your profits on Etsy after fees with our easy-to-use spreadsheet and tips for maximizing your earnings.
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July 25, 2026
Digital Cash Stuffing in Google Sheets: How to Set Up Digital Envelopes
Learn how to manage your budget using digital cash stuffing in Google Sheets. This guide walks you through setting up your digital envelopes for effective financial management.
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August 16, 2026
Product Cost Calculator: True Landed Cost Per Unit (Materials, Packaging, Labels, Batch Labor)
Calculate the true landed cost per unit by adding materials, packaging, labels, allocated batch labor, and inbound costs divided by finished units, so your Etsy prices and margins reflect reality.
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September 2, 2026
Quarterly Taxes for Handmade & Online Sellers: How Much to Set Aside Each Payout
Set aside a percentage of each payout equal to your estimated combined tax rate applied to that payout's net income, and use a simple spreadsheet to turn those per-payout reserves into quarterly estimated payments.
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September 4, 2026
How to Run a Monthly Money Date With Your Partner
Run a short, structured monthly meeting with your partner using a shared agenda and a simple spreadsheet template to review income, expenses, Etsy fees, and goals; end each date with clear action items and a scheduled follow-up.
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September 7, 2026
YNAB-Style Envelope Budget in Google Sheets: Zero-Based Budgeting Without the $109 a Year
Recreate a YNAB-style envelope, zero-based budget in Google Sheets as a one-time template. This guide gives a step-by-step Aspire-style setup, symbolic formulas, and a feature comparison so you can decide between app convenience and spreadsheet control.
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September 9, 2026
How to Make a Budget in Google Sheets on Your Phone
Build a compact Aspire-style budget in Google Sheets on your phone by using three tabs (Income, Expenses, Summary), named ranges like Income and Expenses, and a tight Summary view for one-tap updates.
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September 10, 2026
Aspire Budgeting Spreadsheet: How to Set It Up, What It Does Well, and When a One-Time Template Fits Better
Aspire is designed as a reusable budgeting spreadsheet you set up once and update regularly for ongoing tracking and forecasts, while a one-time template suits single snapshots or minimal maintenance.
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September 12, 2026
Net Worth Tracker: How to Calculate and Track It Month by Month in Google Sheets
Capture dated snapshots for each account in Google Sheets, roll up assets and liabilities with SUMIFS, compute net worth and delta, and visualize trends with a chart. Use IMPORTRANGE to link Aspire or choose a one-time template for single snapshots.
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September 13, 2026
Biweekly Paycheck Budget: How to Budget by Payday Instead of Calendar Month
Organize your finances around each biweekly paycheck with a paycheck-first spreadsheet. This guide shows how to set up Aspire or a one-time template, what to track, formulas to use, and when to switch approaches.
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September 15, 2026
Handmade Shop Inventory Tracker: Separating Supplies from Finished Goods
Keep supplies and finished goods on separate sheets, map BOMs, and use a reorder flag plus one alert to avoid production bottlenecks. This guide outlines sheets, formulas, and simple automation.
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September 17, 2026
Craft Fair Prep Checklist & Breakeven Calculator: What to Pack and How Many Units You Need to Sell to Profit
Print-ready craft fair packing list plus a practical breakeven calculator. Learn what to pack, how to model fixed and variable costs algebraically, and how to forecast inventory using conservative/expected/optimistic sell-through scenarios.
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September 18, 2026
Shipping Cost Log: Comparing Carrier Rates by Package Size So You Stop Losing Margin on Postage
A shipping cost log gives line-level visibility into postage so you can spot which package sizes and carriers are eroding margin. Build a simple Aspire sheet that logs billable weight, carrier rates, surcharges, and gross margin impact, then use pivot summaries and MIN logic to pick the cheapest carrier per size band.
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September 20, 2026
Newlywed First Year Money Checklist: Tasks to Do After 'How Do We Combine Finances'
A practical checklist for newlyweds to move from the vague question "How do we combine finances" to an organized money plan. You will align goals, pick an account structure, build a first budget in the Aspire spreadsheet with a worked example, handle safety net and legal items, and set review routines and automation.
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September 21, 2026
Bookkeeping for Handmade and Etsy Sellers: Using the Aspire Budgeting Spreadsheet
Track sales, fees, refunds, shipping, materials, labor, supplies, and taxes, while keeping business and personal accounts separate. Set up Aspire with Income, Expenses, COGS, Inventory, and Cash Flow tabs, map Etsy CSV fields to those columns, and use consistent naming so imports and month-end reconciliations are fast and auditable.
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September 23, 2026
Sinking Funds and Savings Goals: A Practical Guide for the Aspire Spreadsheet
Sinking funds are labeled savings buckets for predictable short- and medium-term expenses, separate from general savings or investment accounts. Modeling sinking funds in the Aspire Budgeting Spreadsheet lets you track target amounts, saved-to-date, remaining need, and required monthly contributions with simple formulas, giving clear cash-flow visibility and easier prioritization.
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September 25, 2026
Google Sheets budget templates
Google Sheets templates give you structure, portability, and editable formulas so you can start budgeting quickly without building a sheet from scratch. Free templates are great for tinkering and low-cost users, one-time paid templates add dashboards and support, and the Aspire Budgeting Spreadsheet sits in between as a practical, editable option for users who want more structure than a bare-bones free sheet.
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September 26, 2026
Couples and household budgeting: using the Aspire spreadsheet together
A shared budgeting spreadsheet gets couples on the same page, clarifies who pays what, and replaces recurring friction with a repeatable process. Before you open the template, decide roles, split rules, and which accounts stay joint or separate. Then configure categories, recurring buckets, and reconciliation rules so the system runs predictably.
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September 29, 2026
Emergency Fund: How Many Months of Expenses Do You Actually Need in 2026?
Months of expenses is an easy starting rule for an emergency fund, but it misses personal risk, liquidity needs, and local cost differences. Use a tailored approach in Aspire: identify essentials, model variable income, add specific buffers, and convert chosen months into a dollar target, then hold the fund across instant-access and short-term vehicles.
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September 30, 2026
Low Buy Year vs No-Spend Challenge: Which One Should You Try?
A low-buy year is a long-term habit-change plan with curated allowances, while a no-spend challenge is a short, strict reset with near-zero discretionary spending. Pick the approach that matches your goal, set up a simple "Rule" column in the Aspire spreadsheet to mark Allow or Block, and use short no-spend bursts inside a low-buy framework if you want both speed and sustainability.
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September 6, 2026
Free 2026 Monthly Budget Template for Google Sheets: Copy It, Set It Up in 10 Minutes
Free 2026 monthly budget template for Google Sheets and Excel, no email. What's inside, the 10-minute setup, and when a $5 to $24 sheet is worth it.
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August 5, 2026
50/30/20 vs Zero-Based vs Plan-vs-Actual: 3 Budgeting Methods Compared
The three spreadsheet budgeting methods compared: 50/30/20's fixed percentages, zero-based's full allocation, and plan-vs-actual variance tracking.
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August 5, 2026
Vertex42 vs Tiller vs sheetfolk: Which Budget Spreadsheet Fits You?
Compare Vertex42's free template (1.3M+ downloads), Tiller's $99/year bank-feed automation, and sheetfolk's one-time templates. Verified August 2026.
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August 5, 2026
YNAB vs Monarch vs a Budget Spreadsheet: Which Wins in 2026?
YNAB is $14.99/month or $109/year, Monarch about $99/year, a spreadsheet is $0-$24 once. Method, bank sync, privacy and who each fits. Aug 2026.
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July 11, 2026
Sinking Funds Calendar Google Sheets: Automate Funding for Annual Bills and Holidays
Build a sinking funds calendar in Google Sheets that spreads annual bills, holidays and irregular costs into automatic monthly targets.
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June 28, 2026
10 Google Sheets Formulas Every Budget Spreadsheet Needs (With Examples)
Copy-paste ready Google Sheets formulas for budget tracking. SUMIFS, QUERY, SPARKLINE, GOOGLEFINANCE, and more with real examples.
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June 28, 2026
37 Sinking Fund Categories With Suggested Monthly Amounts (2026 List)
Discover 37 sinking fund categories with 2026 dollar ranges and priority tiers. Complete list organized by life area—home, car, gifts, and more.
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June 28, 2026
50/30/20 vs Zero-Based Budget: Which Method Fits Your Spreadsheet?
Compare 50/30/20 and zero-based budgeting with real numbers. See both methods applied to the same income, who each suits, and how to switch methods.
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June 28, 2026
Couples Budget Spreadsheet: Budget Together Without the Monthly Fight
How shared spreadsheets with proportional splits, personal allowances, and monthly money dates eliminate couples budgeting friction.
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June 28, 2026
Excel vs Budgeting Software: When a Spreadsheet Wins (2026 Guide)
Excel or Google Sheets vs budgeting software like YNAB and Monarch: 5-year cost, privacy, bank sync, and who should switch. Plus a $0 and a $5 option.
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June 28, 2026
Google Sheets Budget Template: Free vs. Paid Options in 2026
A free Google Sheets budget template (Aspire, Regpaq, Smartsheet) covers most people. Here's when a $5-$24 one-time paid template is worth it instead.
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June 28, 2026
How to Combine Finances as a Couple: 3 Methods Compared (Fully, Partially, Not at All)
Compare full merge vs hybrid yours-mine-ours vs separate finances for couples. Real income gap splits, pros/cons, and questions to answer.
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June 28, 2026
How to Make a Budget Spreadsheet in Google Sheets (Step-by-Step, 20 Minutes)
Build a budget spreadsheet in Google Sheets in 20 minutes: columns, categories, copy-paste SUM formulas. Or copy the free template, no email required.
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June 28, 2026
Personal Finance Tracker in Google Sheets: Free Setup Guide (2026)
Build a complete personal finance tracker in Google Sheets with net worth, spending, and goals dashboards. Free setup guide for 2026.
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June 28, 2026
Side Hustle Income Tracker Spreadsheet: Track Every Dollar (and What It Cost You)
Build a side hustle income tracker with expense, mileage, and tax sinking funds. Track gross vs net per platform, plus e-commerce profitability.
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June 28, 2026
Sinking Funds Tracker in Google Sheets - Build One or Grab the Template
Track multiple savings goals with formulas and progress bars. Step-by-step guide to building a sinking funds tracker or using a ready-made template.
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June 28, 2026
What Is a Sinking Fund? Definition, Examples, and How to Start One
Learn what a sinking fund is, how it differs from an emergency fund, and step-by-step how to create and track one.