Excel templates, free to keep.
Every template is a plain .xlsx with live formulas — change the green input cells and everything recalculates. No signup, no email gate, no macros. They work in Excel, Google Sheets and LibreOffice.
Mortgage amortization
Full month-by-month schedule with taxes, insurance and HOA, plus payment summary.
⇩ DownloadLoan amortization
Any fixed-rate loan: payment, total interest, and the complete payoff schedule.
⇩ DownloadCompound interest
Starting balance plus monthly contributions, projected year by year for up to 50 years.
⇩ DownloadSavings goal planner
Solves the monthly deposit for a target amount and date, with a progress table.
⇩ DownloadMonthly budget planner
Planned vs. actual across income and 20+ expense lines, with automatic differences.
⇩ DownloadRent vs. buy
Owner vs. renter net worth year by year — invested down payment, maintenance and selling costs included.
⇩ DownloadMulti-debt payoff planner
Five debts, rolling minimums, priority targeting — rank by APR for avalanche or balance for snowball.
⇩ DownloadRoth conversion planner
Bracket-filling conversion schedule with the 2026 brackets and exact marginal tax per year.
⇩ DownloadSequence-of-returns risk
The same returns in three orders with withdrawals — watch the crash-first path die early.
⇩ DownloadRental property vs. S&P 500
Every landlord cost and tax effect - depreciation, passive-loss limits, capital gains - laid out year by year.
⇩ Download