Plain Ledger · Clarity when it counts
Money guidance for when income doesn't behave.
Layoffs, freelance swings, seasonal work, the first year of self-employment — Plain Ledger is a shop of premium spreadsheets built for exactly these moments — with a journal of plain-spoken guides. Clarity when it counts.
The Journal
Plain-spoken money guides
Clear, practical writing for the money moments that matter: layoffs, irregular income, quarterly taxes, debt, and building wealth anyway. The first guide is live — how to manage money when your income doesn’t arrive on schedule.
Read the first guide → Browse the templates →
Spreadsheets that do the math for you
Every guide on this site has a companion workbook in the Plain Ledger shop — dashboards, trackers, and planners for Excel and Google Sheets, delivered instantly.
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