Kindly BudgetThis year, Christmas doesn't go on the credit card.
The Holiday Budget & Gift Planner shows you exactly how much to set aside each payday until Christmas, keeps every gift on budget, and turns Black Friday into a list instead of a spree.
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- Google Sheets, Excel & Numbers + printables
- Countdown to Christmas
- Instant download · $, £, €, CA$, A$
Every January, the same credit card bill.
- You meant to set money aside in October. Then it was December 12th.
- Gifts, food, decorations, travel, teacher gifts, Secret Santa… it all adds up to way more than you thought.
- Black Friday "deals" end up in the cart even though nobody needed them.
- 44% of Americans expect to carry holiday debt into the new year. You don't want to be one of them again.
You're not bad at Christmas. You just never had one number to plan around.
When you decide the total first and split it across your paydays, the holidays stop being a surprise. You'll know what's left for every person and every category — and what you can still say yes to.
Decide · Divide · Done
Three steps to a holiday season that's paid for before it arrives:
Decide
Set one total holiday budget and give every person on your list a budget.
Divide
The planner splits what's left across your paydays until Christmas — one small set-aside each payday.
Track
Log purchases as you go. Each person's total, each category and your countdown update on their own.
Done
Anything on credit or buy-now-pay-later shows up in red, so you can fix it before January.
Real screenshots, real formulas.
What's inside
- Dashboard: days until Christmas, budget left, gifts done, per-payday set-aside
- Settings: your budget + paydays → an exact amount to set aside every payday
- Gift List for up to 40 people with budget, spent and status (idea → bought → wrapped → given)
- Holiday Budget by category: gifts, food & hosting, decorations, travel, cards, events and more
- Spending Log that updates each person and category — and flags anything put on credit/BNPL
- Black Friday & Cyber Monday list with target prices and what you actually saved
- Key dates 2026: Thanksgiving, Black Friday, Cyber Monday, Giving Tuesday, shipping deadlines
- 8 printable pages (US Letter + A4): budget, set-aside tracker, gift list, deal list, meal planner, card list, Nov–Dec calendar
- 5 currency versions: $, £, €, CA$ and A$
Formats: Excel .xlsx — Google Sheets, Excel and Numbers · Printable planner PDF — US Letter + A4 (8 pages) · 5 currency versions: $, £, €, CA$, A$
How it works
Checkout
Secure checkout by Polar with card, Apple Pay or Google Pay.
Download
Your planner and printables arrive instantly by email.
Plan
Enter your budget, paydays and gift list — about 15 minutes — and you're done.
or it's
free
Love it or it's free
If the planner doesn't make your holidays calmer, email us within 14 days of your first purchase for a full refund.
Good questions
Do I need Excel?
No. It works in free Google Sheets (also on your phone while shopping), Excel and Apple Numbers. Prefer paper? Printables are included.
I celebrate a different holiday. Does it work?
Yes — change the holiday date in Settings and rename the categories. The budget and gift tracking work for any celebration.
It's already November. Is it too late?
Not at all. The planner uses the paydays you have left — fewer paydays just means a slightly bigger set-aside, or a smaller budget.
Which currency does it use?
Your download includes $, £, €, CA$ and A$ versions.
Is this financial advice?
No. It's a planning tool for your own budget.
Christmas is coming either way. Let it come paid for.
Fifteen minutes today, one small set-aside each payday, and a January without the credit card hangover.
Not ready yet? Grab the free Subscription Audit.
Secure checkout by Polar · Card, Apple Pay, Google Pay · Love it or it's free (14 days)
Kindly Budget products are educational tools, not financial advice. Example numbers are for illustration only.