Free tools and templates

Spreadsheet templates

Ready-made workbooks with the formulas already in place. Type your numbers into the yellow cells and everything else updates. Works in Microsoft Excel, Google Sheets, LibreOffice and Apple Numbers.

• Monthly budget plannerPlanned vs actual spending by category, with a 12-month overview.Excel .xlsx · Free
• Expense trackerLog every purchase; totals by category and month appear automatically.Excel .xlsx · Free
• Loan amortization scheduleMonthly payment, full schedule and the effect of extra payments.Excel .xlsx · Free
• Debt snowball and avalanche plannerPayoff order, dates and interest for up to 10 debts.Excel .xlsx · Free
• Savings goal trackerTrack up to 10 goals: progress bars and the monthly amount still needed.Excel .xlsx · Free
• Net worth trackerAssets minus debts, month by month for a year, with a chart.Excel .xlsx · Free
• Loan comparisonThree loan offers side by side: payment, total cost and APR with fees.Excel .xlsx · Free
• Monthly timesheetDaily start, end and breaks; hours, overtime and pay for the month.Excel .xlsx · Free

Offline calculators

Each calculator as a single HTML file that runs in your browser without internet — handy on a laptop, a work computer or a USB stick.