Interactive planner · works in your browser
Savings Challenge Bundle
30-day, 52-week and 100-envelope challenges that make saving feel like a game you can actually win.
£14.99
Simple money planners for real, everyday budgets
Money feels lighter when you can actually see it.
Calm, no-nonsense digital planners for budgeting, saving and clearing debt. Buy once, download straight away, and sit down with a cup of tea tonight — no apps, no bank logins, no monthly fee.
- Instant download
- One-off payment
- Your data stays yours
Yours in seconds
Download link straight after checkout.
No bank connection
You type your numbers. Nothing is synced or shared.
Works on any device
Laptop, tablet or phone — and offline, too.
Keep it for life
Pay once. No subscription, ever.
Made for kitchen tables, sofas and the 7:42 train.
Budgeting doesn't need a finance degree or a fancy app. It needs twenty quiet minutes and a tool that doesn't make you feel bad. That's what we build.
The planners
Pick the one you need right now.
Each one does one job well. Start small — you can always add the rest later.
Spreadsheet · multi-user edition
Monthly Budget Planner
See every pound coming in and going out, month by month, with the totals worked out for you.
£19.99 £29.00
Digital planner · snowball & avalanche
Debt Payoff Tracker
List what you owe, pick a method, and watch each balance shrink — one tick at a time.
£17.99
Ebook · 11 practical chapters
Personal Finance Mastery
Plain-English guide to budgeting, debt, investing and retirement. No jargon, no lectures.
£24.99 £40.00
Best value
All four, in one honest bundle.
Living payday to payday, chipping away at a credit card, or saving for a deposit — this covers the whole journey, from your first budget to your first proper savings pot.
- Savings Challenge Bundle £14.99
- Monthly Budget Planner £19.99
- Debt Payoff Tracker £17.99
- Personal Finance Mastery £24.99
£39.99
£77.96 bought separately — you save £37.97
How it works
From checkout to clarity in one evening.
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1
Choose your planner
Pick a single tool or the full bundle. Secure checkout, all major cards and wallets.
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2
Download it instantly
Your files are ready the moment you've paid. Nothing to install, nothing to sign up for.
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3
Fill in your numbers
Add your income and outgoings — the totals, charts and progress bars update themselves.
A note from us
“We made these because every money app we tried wanted a subscription, a bank login, or both. We just wanted to sit down, write the numbers in, and finally feel in control. So that's what we built.”
— The WealthOSS team
Good questions, straight answers.
How do I get my planner?
Straight after checkout you'll get your download link. There's no parcel to wait for and nothing to install.
Is it a subscription?
No. You pay once and the files are yours to keep and use for as long as you like.
Do I have to connect my bank account?
Never. You enter your own numbers, and they stay on your device. Nothing is synced, tracked or shared.
What do I need to open the files?
The interactive planners open in any web browser, on laptop, tablet or phone. The budget planner works in a spreadsheet app, and the ebook reads on any screen.
I'm terrible with money. Is this for me?
Especially for you. Everything is written in plain English and built for beginners, so you only need to know what comes in and what goes out.
Twenty quiet minutes. A lot less worry.
Start with the bundleSmall money tips, once a month.
One short, useful email. No spam, unsubscribe any time.