Free personal finance tools & templates

Expense tracker template and budget spreadsheet: CSV data input, categories, monthly budgets, P&L, and insights for spend management and savings tracking.

Bill organizer template and subscription-friendly bill tracker in Excel or Google Sheets.

Interactive calculator: enter take-home pay and see needs, wants, and savings or debt targets with a visual breakdown.

Set a savings target, what you already have, and your timeline—see the monthly contribution required and a simple growth chart.

Essential monthly costs × months of coverage, plus see about how long to reach your target at a monthly savings rate.

Set a down payment goal, what you have saved, monthly contributions, and an illustrative annual return to see time to goal.

Enter gross monthly or annual income and adjust the rent percentage to see a suggested maximum rent and yearly equivalent.

Project education savings with monthly contributions, years to enrollment, and a conservative return assumption.

Model payoff time and interest for a fixed monthly payment or a credit card-style minimum, with an optional extra payment and before/after chart.

Add rows for each subscription, see monthly and annual totals, multi-year illustrative totals with assumed subscription price growth, and a chart by line item.