Resources

Free finance templates

Free, ready-to-use spreadsheets to help you plan a budget, pay off debt, and make clearer money decisions. Each one works in Excel and Google Sheets and uses transparent formulas you can see and adjust. These are the free lite versions — the Pro templates add full dashboards, charts, and more.

Free template

Monthly Budget Tracker (Free)

A clean, formula-driven monthly budget. Enter your take-home income and planned vs. actual spending across ten categories, and the totals, money-remaining, and savings-rate update automatically.

Inside the template

Planned vs. actual columns with an automatic difference for every category
Live summary: total spending, money remaining, and your savings rate
Ten common categories you can rename to fit your life

Download free (Excel · works in Google Sheets)

Want more? The Pro Annual Budget & Expense Tracker adds a full-year dashboard, automatic charts, built-in category budgeting, and month-by-month summaries.

Free template

Debt Payoff Planner (Free)

List every debt with its balance, APR, and payment, and the planner estimates how many months each will take to clear and how much interest it will cost — plus the recommended order for both the snowball and avalanche methods.

Inside the template

Automatic months-to-payoff and total-interest estimate per debt
Snowball (smallest balance first) and avalanche (highest APR first) ordering
A totals row and a plain-language guide to both strategies

Download free (Excel · works in Google Sheets)

Want more? The Pro Debt Payoff Planner (Pro) adds a month-by-month payoff schedule, a balance-over-time chart, your projected debt-free date, the rollover effect, and up to 6 debts.

How to use these templates

Open the file in Excel or upload it to Google Sheets. Type your own numbers into the highlighted input cells — every total, difference, and estimate recalculates on its own. Nothing is locked, so you can rename categories, add rows, or adapt the layout to your situation.

The templates are planning tools, not financial advice. They reflect the numbers you enter and do not account for every fee, tax, or rate change. For important decisions, confirm the details with the relevant provider or a qualified professional.

Need more than the basics?

The free templates above cover the essentials. When you want full-year dashboards, automatic charts, a month-by-month payoff schedule, and extra trackers (bills & subscriptions, savings goals), see the Pro template library — including a four-template starter bundle.

Prefer interactive tools? Explore our finance calculators or read the planning guides for the thinking behind the numbers.