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Three challenges. One dashboard. A plan that adapts when you slip.

Most savings challenges are a printable grid. You colour in a box, you fall behind in week nine, and the grid has nothing to say about it.

This runs the three best known challenges at once inside Google Sheets, keeps a single running total across all of them, and rewrites your plan when life gets in the way.

The catch-up engine

Fall behind and run Catch me up. It measures what you have actually saved against the weeks that have genuinely passed, then shows you the arithmetic before it changes anything:

You are [amount] behind with [N] weeks left. Adding [amount] to each remaining week puts you back on target for [goal].

Accept and every remaining target rises to keep you on schedule. Decline and nothing moves. It never edits your plan without asking.

If the window has closed entirely it says so plainly rather than pretending. It cannot rescue a year that has already finished.

The three challenges

• 52-Week. Fifty two rows tracking week, date, target, done, actual, running total and status. Four modes: Ascending saves 1, 2, 3 up to 52 for the classic 1,378 total. Descending reverses it so the big weeks land while your motivation is highest. Even divides any goal you like across the year. Custom leaves your own numbers alone.
• 100 Envelopes. Envelope number N is worth exactly N. All one hundred together total 5,050. Draw an envelope at random from the menu, or work through them in order.
• 10K Sprint. A 24 month roadmap to a large goal, tracking target, actual, cumulative, percentage and status each month.

Twelve achievements

Markers across all three challenges, so progress on one is visible from the others. A progress report summarises every challenge in a single view.

Six tabs, built in one command

Home, 52-Week, 100 Envelopes, 10K Sprint, Achievements and Settings. One menu command builds all six, applies the theme, lays out the fifty two weeks, the hundred envelopes and the twenty four sprint months, then leaves you on the dashboard.

It starts at zero, deliberately

Nothing is pre-filled and there is no sample data. Every card reads zero until you begin, because a challenge starts at zero. The first number on the dashboard is yours.

Requirements

• A free Google account. Google Sheets only, Excel cannot run the automation.
• Menu commands need a desktop browser. Ticking off weeks works fine on the phone app.
• The script reads and edits this one spreadsheet. No email, no other Drive files, no external servers.
• No subscription, no app, no monthly fee.

Honest limitations

• Amounts are entered by you. There is no bank connection.
• The plan does not rebuild itself. Change your mode, goal or start date and you run Generate plan once to apply it.
• This is a planning and habit tool, not financial advice.

Rebuild the workbook any time and every amount you have saved is kept. You never need to download a fresh copy.