Personal Finance OS — The Complete Notion Money System
The Notion system behind this site: budget, debt payoff, savings goals, net worth, and sinking funds in one dashboard. Built for people who were never taught how money actually works. Pay once, own it forever — no subscription. Not sure yet? Start with the free Lite version first.
What's Included
Personal Finance OS
This is the whole system, not a stripped-down starter. If you're already using the free Finance OS Lite and want debt payoff, net worth, and irregular-expense planning in the same workspace, this is the upgrade — no separate template, no re-learning a new layout.
Personal Finance OS vs. the Free Lite Version
Here's exactly what you get for the $20 — no vague "premium features," just the honest feature list.
| Feature | Personal Finance OS ($20) | Lite (Free) |
|---|---|---|
| Budget tracker | Yes | Yes |
| Spending log | Yes | Yes |
| Savings goal tracker | Yes | Yes |
| Debt payoff planner | Yes | No |
| Net worth dashboard | Yes | No |
| Sinking funds (irregular expenses) | Yes | No |
| Price | $20 one-time | $0 |
Start with the free Lite version.
Finance OS Lite covers the basics — budget tracker, spending log, and savings goal tracker — completely free, no credit card. Upgrade to the full system whenever you're ready; your layout carries over.
See the Free Lite Version →FAQ
Is this really a one-time payment?
Yes — $20 once, no subscription, no renewal. You own the Notion template permanently.
Do I need a paid Notion account?
No. The Personal Finance OS works on Notion's free personal plan.
I already have Finance OS Lite — do I need to start over?
No. The full system shares the same core layout as Lite, so bringing over your existing budget and spending data is straightforward.
What if it's not for me?
Reach out through the About page — we'd rather sort it out than have you stuck with a system you don't use.