Free Downloads · Created June 4, 2026 · Updated August 31, 2026
Worksheets & trackers.
Editable Excel templates we use with our own family, plus seasonal reference guides. Download, plug in your numbers, and use them every month.
— Calculators —
Interactive Calculators
Answer one question each, right in the browser — no download, no email required.
Loan Payment Calculator
Enter any balance, rate and term to see the monthly payment, the total interest, and what that payment costs against a starting salary.
Open the CalculatorCollege Savings Calculator
Project four-year costs at today’s prices, see if your 529 savings are on track, and get the monthly amount that closes the gap.
Open the CalculatorHealth Plan Cost Comparison
Compare up to four employer health plans on what they really cost for the year — premiums per paycheck, deductible, coinsurance, HSA or FSA money and the tax you save.
Open the CalculatorLife Insurance Calculator
A full needs analysis — income replacement, debts, and education, minus assets and survivor benefits. How much coverage you actually need.
Open the CalculatorRent vs. Buy Calculator
Both paths side by side over the years you plan to stay — unrecoverable costs, net position year by year, and the breakeven year.
Open the CalculatorCompound Interest Calculator for Kids
Watch small weekly savings snowball over the years — and show your child why starting early beats saving more later.
Open the CalculatorCan I Afford It? Savings Goal Calculator
Built for kids: enter the price and your weekly allowance, and see exactly how many weeks until it’s yours.
Open the CalculatorBirth to Twenty-Two Account Picker
What account is right for your dollar? Answer four questions about your child and the money in your hand, and savings, 529, custodial and Roth sort themselves — with the age the money stops being yours to manage.
Open the Tool— Series One —
Budgeting & Cash Flow
Know exactly where every dollar goes — and where it should.
The Household Finances Workbook
The whole year on four tabs: a month-by-month budget, every paycheck logged, retirement savings tracked beside it, and a notes tab for the decisions behind the numbers. Use this one if you want a single file for the household rather than a worksheet per question.
Open the WorksheetMonthly Bill Tracker
Catch every recurring expense before it catches you. Streaming, gym, software — if it’s monthly, it goes in here.
Open the WorksheetPaycheck Tracker (Salaried)
Map every dollar of take-home pay — essentials, savings, debt, and personal wants. The 50/30/20 framework, made concrete.
Open the WorksheetPaycheck Tracker (Hourly)
Built for first jobs, side hustles, and variable hours. Plug in your hours per week and your rate, then plan around the realistic monthly take-home.
Open the WorksheetPaycheck Tracker (Children/Self-Employed)
Built for children who work side-jobs with no W-2 income. Make note of all income not received from the parents and ensure you are maximizing their ROTH IRA contributions.
Open the WorksheetDebt Reduction Planner
Pick a strategy — smallest balance first, or highest interest rate first — and watch the payoff date move closer with every extra payment.
Open the WorksheetMedical Claim & EOB Tracker
One row per explanation of benefits, with a check that each statement adds up against itself. Tracks deductible and out-of-pocket progress through the plan year, and flags the claims worth a phone call.
Open the WorksheetHSA Contribution & Reimbursement Log
Keep contributions inside the annual limit — employer money counts against it too, which is the line people miss — and bank every unreimbursed receipt for a tax-free reimbursement years later.
Open the WorksheetEmergency Fund Calculator
Size the fund from your essential expenses — not your income — set the right month target, and see how long the build will take. Pairs with Emergency Funds.
Open the WorksheetMy Business Money — Kid Business Ledger
A first ledger written to the child: money in, money out, a running total, and the profit split three ways between refilling supplies, saving toward a goal, and spending. No tax machinery — just the habit.
Get the SpreadsheetInsurance Deductible Calculator
The same policy at up to five deductibles: premium saved, break-even years between claims, and the highest deductible your cash supports.
Open the WorksheetHome Service Price Tracker
Every recurring household service beside last year’s price, with a flag on increases above the rate you consider fair.
Open the WorksheetVacation Budget Spreadsheet
A budget for every trip, every expense logged by category, and what each trip really cost per person and per day.
Open the Worksheet— Series Two —
Life Decisions & Career
The big-ticket choices — car, college, job offer, your own rates — with the arithmetic done honestly.
Car Total Cost of Ownership
The true monthly cost of a car — payment, insurance, fuel, maintenance, and depreciation — before you sign anything. Pairs with Buying a Car.
Open the WorksheetFour-Year College Cost Comparison
Compare four schools side by side — total cost, aid, savings, and the borrowing each one actually requires against the federal loan cap. Pairs with Paying for College.
Open the WorksheetJob Offer Comparison
Salary is one row. Match, healthcare, and cost of living decide the winner — compare three offers on total compensation. Pairs with White-Collar Compensation.
Open the WorksheetCash-to-Close Estimator
The one number nobody quotes you: what you actually wire on settlement day. Down payment, lender fees, prepaids and escrow, minus your earnest money and any seller credit — then what is left in the bank afterwards. Pairs with The First Home Purchase.
Open the WorksheetHome Improvement & Basis Log
Every dollar you put into the house, split into capital improvements and repairs — because only one of them raises your cost basis and cuts the taxable gain when you sell. Shows the gain and the tax with the record versus without it. Start it on closing day.
Open the WorksheetHome Repair Punch List
What needs doing, what it was quoted at, what it actually cost — plus the energy credits and utility rebates that take the edge off. Feeds the finished capital lines into the Basis Log.
Open the WorksheetFully-Loaded Rate Calculator
For the tradesman going out on his own: billable hours, overhead, and the break-even that tells you what to actually charge. Pairs with From Tradesman to Owner.
Open the WorksheetTeen Self-Employment Ledger
Income and expenses for the mowing, babysitting, and resale money — flags the $400 filing threshold and computes the Roth room it creates. Pairs with Tracking Side Income.
Open the WorksheetFamily Binder & Beneficiary Checklist
One printable page: every account, policy, and document your family would need to find — and where it is. Pairs with Wills & Beneficiaries.
Open the ChecklistThe Before-18 Checklist
Twelve boxes to check before the 18th birthday — accounts, credit, documents, and the parent hand-off note. Pairs with The Before-18 Financial Checklist.
Open the ChecklistMoney Worksheets for Kids by Grade
Free printable money worksheets, K through 8 — coin counting, saving jars, budgets, and compound interest, each with a parent page.
Browse the WorksheetsBreak-Even Salary Calculator
Prices every benefit in your current job and two offers, then solves for the base salary each offer needs just to tie what you have now.
Open the WorksheetCommute Cost Calculator
Fuel, tolls, parking, transit and wear on the car, month by month — and the pre-tax salary it takes to cover the commute.
Open the WorksheetUtility Bill Tracker
Usage and cost for electricity, gas and water, two years side by side — with every change in the bill split into rate and usage.
Open the WorksheetMortgage Rate Comparison
Every lender quote in one table — rate, APR, points and credits — ranked on what the loan actually costs, not the headline rate.
Open the WorksheetMoving Budget Spreadsheet
Estimate against actual for the move itself, then a full month of the new household run against take-home pay — before you sign.
Open the WorksheetProperty Tax Assessment Tracker
Every assessment notice in one table: land and building values, exemptions, effective rate, and a flag on increases worth appealing.
Open the WorksheetSalary History Spreadsheet
Every pay change you have had, each raise annualized, and your compound pay growth compared with inflation or the market.
Open the Worksheet— Series Three —
Guides & Reference
Look-up pages we keep current through the season — so you are not chasing dates across a dozen state websites.
National Standards Alignment
For teachers and homeschool parents: every worksheet, workbook and calculator on this page matched to the learning outcomes in the National Standards for Personal Financial Education.
Open the ReferenceBack to School Deals 2026: Tax-Free Weekend Dates by State
All 18 state tax-free weekend dates and price caps, plus teacher, first responder and military discount tables covering 49 programs, what rebates and cash back are worth chasing — and where to find free school supplies.
Open the GuideRetirement Plan Types by Employer
Every arrangement the Internal Revenue Code recognizes — 401(k), 403(b), 457(b), TSP, SEP, SIMPLE, ESOP and the pensions — with the Code section behind each one and who is actually allowed to sponsor it. Because which plan you can have is decided by who employs you.
Open the ReferenceIRS Retirement Plans: Eligibility and Employer Use
The same tables in a printable seven-page reference — plan types by IRC section, who may sponsor each, the labels that are not separate plans, and Form 5500 adoption data.
Download the PDFInvestment Strategies, Game by Game
Twenty-nine strategies catalogued by return engine, horizon, claimed edge, scoreboard and principal danger — then the part most lists leave out: ten worked examples of two strategies in one account issuing opposite orders on the same day, and the separation rule that fixes it.
Open the ReferenceInvestment Strategies Reference — Printable
The same catalogue, conflict analysis and seven-line Define Your Game worksheet as a nine-page printable reference. Letter size, typeset for print.
Download the PDFTransUnion Protected Consumer Freeze Request Letter
Equifax and Experian take a form. TransUnion wants a letter — so here is one. Fill in the bracketed fields, print it, sign it and mail it with your enclosures. The enclosure checklist is on page two.
Download the Word LetterTransUnion Freeze Letter — Print and Fill by Hand
The same letter as a printable PDF, with blank lines instead of fill-in fields. Use this one if you would rather write it out than edit a document.
Download the PDF— Series Four —
Investing & Long-Term Planning
Write down the rules for each account before you invest — more tools are in development.
Define Your Game Worksheet
A personal investment policy statement: one tab per account with the seven lines that name the game it plays, then a log of every purchase and sale — partial sales included — that flags any holding playing a different game from its account. Spreadsheet and fillable PDF.
Open the WorksheetNet Worth Snapshot by Year
Everything you own and owe on one page, one column per year, with a notes column for why it moved — and the yearly change, debt ratio, liquid months and growth rate worked out for you.
Open the WorksheetRoth IRA Growth Calculator
See exactly what a $6,500/year Roth contribution becomes over 10, 20, 30, and 40 years at different return rates.
Coming soon529 Savings Tracker
Each child’s education balance over time, contributions separated from market growth, and a projection against what college will cost.
Open the WorksheetRetirement Readiness Check
Plug in your age, current savings, and monthly contribution — see whether you’re on track.
Coming soonWant something we don’t have yet? Tell us what worksheet would help you most — we read every request.Suggest a Worksheet