Free Templates
All 8 Spreadsheets
Click any card to download instantly. Works with Microsoft Excel, Google Sheets, and Apple Numbers.
Track every dollar in and out across the full year. Includes a complete annual dashboard, individual monthly detail sheets, and a savings goals tab.
- Annual income & expense overview with % of income
- 12 monthly Budgeted vs. Actual sheets with ✅/⚠️ status
- Savings goals tracker with projected finish dates
- 50+ pre-loaded categories — all customizable
See exactly when you'll be debt-free. Tracks up to 13 debts with auto-calculated payoff dates and a full amortization schedule.
- Dashboard with payoff dates & total interest for every debt
- Debt Snowball — smallest balance first, payments auto-roll
- Debt Avalanche — highest APR first to save the most money
- 120-month amortization schedule for any single debt
Set and track up to 15 savings goals at once — from your emergency fund to a dream vacation. See exactly when you'll reach each one.
- 15 goals with target, progress %, and projected finish date
- On Track / Behind status for each goal
- Monthly contribution log with YTD totals
- Emergency Fund Calculator — find your exact target
Your complete financial picture — every asset and liability tracked monthly. Watch your net worth grow over time with year-over-year history.
- Full assets vs. liabilities tracker across 12 months
- Month-over-month change auto-calculated
- Year-over-year history from 2020–2035
- Debt-to-asset ratio and annual YoY % change
See the full power of compound interest. Calculate future value, compare scenarios, and see a 40-year year-by-year growth breakdown.
- Future value with lump sum + monthly contributions
- Scenario comparison — what if you saved $100 more/month?
- 40-year year-by-year growth table
- Rule of 72 — how long to double your money
Works for any loan — mortgage, car, student, personal. See exactly how much extra payments save you, with a full 360-month amortization schedule.
- Monthly payment, total interest, and payoff timeline
- Extra payment comparison table ($0–$500 extra/month)
- Full 360-month amortization schedule
- Side-by-side comparison of up to 6 loan options
Find your retirement number and build a plan to reach it. Uses the 4% rule to calculate your nest egg target and shows exactly how much you need to save monthly.
- Calculates your retirement nest egg target (4% rule)
- Projected balance vs. goal — surplus or shortfall
- 45-year year-by-year growth projection
- 2025 IRS contribution limits reference (401k, IRA, Roth)
Never miss a bill again. Track every recurring payment across all 12 months, log daily expenses, and see exactly where your money goes by category.
- Every bill with due date and 12-month paid checklist
- Daily expense log — 200 transactions with categories
- Spending by category summary — auto-totals from log
- Budget vs. actual comparison per category