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Fruitful Orchard Method Digital System

A guided budget planner for Excel or Google Sheets.

Organize income, expenses, savings goals, and debt priorities in the guided Digital System, available in Excel or Google Sheets.

Turn a wall of numbers into a clear financial picture.
See how your income, expenses, and savings fit together—so you can make confident choices based on your values and goals.

One-time purchase
Automatic calculations
No bank connection

Price: $19.99 USD. Available in Excel or Google Sheets. No recurring FOM subscription. Reuse your workbook each year. View current pricing and download details on Payhip.

Questions or trouble getting started? Message me directly. I’ll help you access your files and understand how to get started with the system.

Fruitful Orchard Digital System promotional preview showing a dashboard with sample financial figures — Illustrative product preview with sample figures.

Included with the Digital System

Help while you build your plan

Macro-free Excel workbook. No macros to enable.
No bank connection is required.
Built-in Notes give section-by-section help inside the workbook.
The Quick Start Guide includes troubleshooting for calculation settings, red Entry Check warnings, changed formula cells, and payment pairs that should be blank.
A printable Workbook Instructions Reference brings the Notes together for paper or a second screen.

See what’s inside

See how the Digital System works

This example uses fictional figures to show how the Fruitful Orchard Method turns take-home income and expenses into a practical monthly funding plan.

Sample illustration of the Fruitful Orchard Method Plan worksheet with $4,000 take-home income, Planned and Flexible expenses, savings, and a balanced result; all figures fictional — **Start with take-home income and expenses**Enter your take-home income and expenses, then see how they are organized into Planned expenses, Flexible spending, and savings.

Six-step fictional example assigning $4,000 income to $2,600 Planned expenses, $1,100 Flexible spending, and $300 savings — **Turn expenses into a monthly funding plan**This example shows how annual expenses become a monthly funding plan: income is assigned to Planned expenses, Flexible spending, and savings before the month begins.

Illustrative dashboard with fictional $4,000 dependable income, total funding, balanced plan, funding destinations, and monthly savings by goal — **See your monthly funding at a glance**The Dashboard summarizes where your income is assigned each month and shows whether your plan is balanced.

Fictional Goal Getter holiday savings example: $2,400 goal, $400 saved, $2,000 remaining, and about $77 per biweekly paycheck — **Turn a savings goal into a payday plan**Goal Getter turns a savings goal into a practical funding amount—so you can prepare for it before it arrives.

The Digital System helps you organize your own income, expenses, savings goals, and account funding—so you can see whether your plan is balanced before the month begins.

Get the Digital System on Payhip — $19.99

Price: $19.99 USD. Available in Excel or Google Sheets.

Give every part of your plan a purpose

This plan includes income, expenses, and savings. What makes it different is how you build it: start with your Why and the goals that matter to you, then use the Balance Test to see whether your priorities fit your income. Your values help guide the adjustments you choose.

Plan for expenses across the year, protect money set aside for planned expenses, and give savings a place in the plan before deciding what is available for flexible everyday spending.

Start with your own figures. The workbook calculates averages and funding amounts, while you decide what matters and which adjustments are realistic. Review the balance test before putting the plan into motion.

Inside the workbook

Twelve tabs. One connected planning system.

Build your Financial Plan first, then use the companion tools when they help answer a specific question.

Tab 1

FOM Plan

Build the core plan: dependable income, expenses, adjustments, savings, funding, the balance test, account setup, and deposit instructions.

Tab 2

Expense Entry

Enter each household expense once. Use payment dates and amounts for Planned expenses. For Flexible spending, enter separate annual totals by category or one combined annual total.

Tab 3

Payday Funding

Review how Planned expenses, Flexible spending, and savings are allocated by income source and pay schedule.

Tab 4

Initial Funding Check™

Estimate the starting balance needed in the Planned Expense Account across the coming year’s payment schedule.

Tab 5

FOM Plan Dashboard

See monthly income, funding, savings, and the balance test in one summary.

Tab 6

Goal Dashboard

Review your savings goals, recorded account balances, and projected progress.

Tab 7

Goal Getter™

Explore the monthly savings needed to reach a goal by your target date.

Tab 8

Get GOOD™ Calculator

Compare smallest-balance-first and highest-interest-first debt payoff estimates.

Tab 9

Choice Compass

Compare a major financial decision with your priorities and available money.

Tab 10

Calculators

Use focused calculators to explore household borrowing, savings, and planning questions.

Tab 11

Continuity Plan

Organize information a trusted person may need to understand household finances.

Tab 12

Bill Due Dates

Review and customize a printable reference for Planned expense schedules.

Start with your income, expenses, and goals

Gather dependable take-home income and household expense records.
Enter your figures in the identified input cells and work through the Financial Plan in order.
Review the dashboard and balance test; adjust the plan to fit your available income.
Use the goal, debt, and decision tools as needed, and review your plan when life changes.

What you need to use the digital workbook

Choose the Excel workbook or Google Sheets version. The Excel workbook is macro-free; no macros need to be enabled. The Quick Start Guide recommends desktop Excel for the most complete Excel experience. Microsoft Excel is not included.

Save a working copy before entering your information, keep a secure backup, and use the cells identified for input. Check the purchase listing for the current file format and included guides.

Prefer to build your plan by hand? Explore the book and its included manual planning worksheet.

Digital system questions

Will it import transactions from my bank?

No. You enter your own income, expense, and savings figures. No bank login or connection is needed.

Do I need to itemize Flexible expenses?

You may enter separate annual totals by category or one combined annual total. Separate categories reveal what each costs over a year and help identify possible reductions when your plan is underfunded. One combined total makes entry simpler. Include each expense only once.

Do I need to log every purchase?

No daily transaction logging is required to use the system. Use your records to build the plan, then review it annually or when your income, expenses, or goals change.

Does the dashboard update automatically?

Yes. The dashboard summarizes information from the Financial Plan. It helps you review the plan rather than prescribing the right percentages for your household.

Do the decision tools automatically change my plan?

The companion tools help you explore choices. Manually carry your chosen decision back into the Financial Plan where required, following the workbook’s instructions.

Is the book required?

The digital system provides a guided workbook and on-sheet instructions. The separate book explains the method and planning decisions in more depth.

Who can use this budget planner?

Use it on your own, with a partner, or with family members. It can support a first budget, a renter’s plan, or a household revisiting its priorities.

Build the plan your money needs

Get the Digital System on Payhip or browse the Fruitful Orchard Etsy shop.

Get the Digital System on Payhip Browse the Fruitful Orchard Etsy Shop