Savings Challenge Spreadsheet | 52-Week, 100 Envelope & More | Excel & Google Sheets | Penny Jar

Penny Jar makes saving feel like a game. Pick a challenge, tick a box each time you save, and watch your total grow on a dashboard that updates itself. Five ways to save in one calm, blush-and-sage spreadsheet, plus printable trackers to colour in.

The 5 challenges

• 52-Week Challenge: set your week 1 amount (₱50 saves ₱68,900 over the year) and the rest fills in. Choose increasing or decreasing, tick ✓ when saved, and missed weeks are highlighted so you can catch up.
• 100-Envelope Challenge: save each envelope's number × your amount, in any order. Envelopes turn blue as you go (₱10 per number saves ₱50,500).
• Goal Chart: name any goal and target, and get 50 boxes of mixed amounts that add up to it exactly.
• Savings Goals: track up to 10 goals with deadlines, and see exactly how much to save each month for each one.
• No-Spend Year: tick every day you spend nothing extra, with monthly totals for the whole year.

Also included

• Dashboard: total saved, each challenge at a glance, a saved-vs-plan chart, progress rings, goal progress bars and no-spend days by month.
• Phone View: this week's amount and your totals on the go.
• Bonus printable trackers (PDF): 52-week, 100-envelope and goal chart sheets to print and colour in.
• Any currency: set to ₱ by default, changeable in one cell.

What's inside: 10 tabs

Start Here · Setup · Dashboard · Phone View · 52-Week Challenge · 100 Envelopes · Goal Chart · Savings Goals · No-Spend Year · Notes & Wins

What you get

• 2 spreadsheet files (.xlsx): one with sample data to explore, and one blank
• A 3-page printable trackers PDF
• A Start Here PDF with step-by-step setup

Works in

• Microsoft Excel: open the .xlsx file
• Google Sheets: upload to Google Drive, then File › Save as Google Sheets

Good to know

• This is a digital product. No physical item will be shipped.
• Every challenge works on its own, so start with the one that fits your budget.
• Formulas are protected (no password) so they don't break by accident; input cells are lightly tinted.
• For personal use. Please don't resell or share the files.