Paperclip StudioDisclaimer
Last updated 29 October 2026
What this product is
Clearline Annual Budget is a spreadsheet template for personal and household budgeting. It is a set of Excel and Google Sheets files that you fill in yourself, with formulas that add up and compare the numbers you enter. It is sold as a digital download, for your own personal use.
What it is not
It is not a bank, an app or an online service. It doesn't connect to any bank, broker, lender, financial adviser or other financial institution. It doesn't hold, move, lend or invest money. It doesn't recommend any financial product, investment, loan or strategy, and it isn't tax, legal or accounting advice. Paperclip Studio is not a financial adviser.
Not financial advice
Paperclip Studio's products are spreadsheet tools for planning and record keeping. They are not financial, tax, legal or investment advice, and I'm not a financial adviser. For advice about your own situation, please talk to a qualified professional.
Estimates only
Figures such as debt payoff dates, interest and net worth are estimates based on what you type in. Real results depend on your actual rates, payments and circumstances. Nothing on this website or in a product is a promise or guarantee that you will save money, pay off debt or reach any financial goal.
Sample data
The screenshots and the filled-in sample files use made-up households and numbers, shown only to demonstrate how the product works. They don't represent real people or real results.
Your numbers, your responsibility
You enter your own information, and you're responsible for checking it and for the decisions you make using it. Please keep your own backups of your files.
Trademarks
Microsoft Excel is a trademark of Microsoft Corporation. Google Sheets and Google Drive are trademarks of Google LLC. Gumroad is a trademark of Gumroad, Inc. Paperclip Studio is not affiliated with, endorsed by or sponsored by any of them. The names are used only to say which programs the files work with.
Links to other sites
This website links to Gumroad for checkout. I don't control that site, and its terms and privacy policy apply there.