A tidy Google Sheet. Or a budget that lives on your computer.
Haye Creatives sells some of Etsy's most popular Google Sheets budgets, from a simple paycheck budget to an annual one with a bill calendar, sinking funds and a debt tracker. Oakfold is a free desktop app.
Haye Creatives' sheets are clear, well supported and easy to start. If you'd rather not keep your finances in a Google account or maintain a spreadsheet, Oakfold is free and keeps everything on your computer.
| Oakfold | Haye Creatives | |
|---|---|---|
| Price | Free for all budgeting. Core is $4.99 a month for Oak, your household and sync | One-time, from a few dollars to about $15 for Simple Budget+ |
| Free option | Free for good, with every budgeting tool. No trial to run out | No free version, but you buy it once |
| Where it runs | Desktop app for Windows and Mac. No phone app yet | Google Sheets only (the seller says it won't work in Excel or Numbers) |
| Bank connection | None, by design. Enter transactions yourself, or scan a statement (PDF, CSV or photo) | None. You type or paste in each transaction |
| Where your data lives | On your computer. Cloud backup and sync are optional, with Core | Your Google account |
| How you budget | Category and subcategory budgets, 50/30/20 or your own split, fixed and variable | Paycheck, weekly, biweekly or monthly budgets; the annual sheet adds a bill calendar, sinking funds and a debt tracker |
| AI assistant | Ask Oak, with Core: chat, voice and screen share, 150,000 credits a month | None |
| Budgeting with a partner | With Core, up to 4 people, each with a profile and PIN, on up to 5 computers | Share the Google Sheet with a partner |
| If you stop paying | Everything you entered keeps working on Free | Nothing to stop: you bought it once |
Facts about Haye Creatives from its own site, checked November 10, 2026. Prices and plans change, so check before you decide.
What Haye Creatives does well
- A one-time price, often just a few dollars.
- It's a spreadsheet: rename anything, add tabs, change formulas.
- Opens in Google Sheets on any device, including your phone.
- Free updates from the seller, and clear instructions.
Why people choose Oakfold
- Nothing to set up: budgets, bills, debt payoff and goals already work together.
- No formulas to break when you type over a cell or insert a row.
- Scan a statement to check your records and add what's missing.
- Free to use. Oak, a shared household and cloud sync are there with Core if you want them later.
Pick the one that fits how you budget
Pick Haye Creatives if
- You already live in Google Sheets.
- You want a clean, ready-made sheet to start today.
- You want to edit your budget on your phone.
Pick Oakfold if
- You want a budget that works without building or fixing formulas.
- You want debt payoff dates and goals connected to your budget.
- You want your finances in an app on your computer, not in a Google account.
The cost, plainly
What each costs once.
Oakfold and Haye Creatives, answered
Can I import my spreadsheet into Oakfold?
You can scan or import bank statements as PDF, CSV or photos, which is usually the quickest way to bring a month in. Oakfold can also export your data to CSV and JSON, so it's never locked in.
Is a spreadsheet more private than an app?
An Excel file on your computer is. A Google Sheet lives in your Google account. Oakfold keeps your data on your computer unless you turn on cloud sync with Core.
More comparisons
- Oakfold vs Ultimate Annual BudgetPrioriDigitalStudio's annual sheet on Etsy
- Oakfold vs TheWeeklyCrewA paycheck budget sheet on Etsy
- Oakfold vs YNABZero-based budgeting, two ways
- Oakfold vs GoodbudgetEnvelopes, or categories and goals
Try it on your own month. It's free.
Every budgeting tool is free for good, with no trial to run out and no card to enter.