When Can I Retire? Calculator Plus Rule of Thumb Walkthrough
When can I retire? A free calculator plus the four-input rule of thumb that gets you within 2 years of the right answer. Includes worked examples at 30, 45, and 55.
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Insights and Updates
FinancialAha Blog
Learn more about FinancialAha, financial tracking, planning, concepts, implementation, usage, the vision behind FinancialAha, and more.
Browse by Topic
41 articles
Budgeting
Budgeting methods, templates, and practical guides for tracking spending
24 articles
Net Worth
Tracking, calculating, and growing your net worth over time
25 articles
Retirement & FIRE
Retirement planning, FIRE calculations, and long-term projections
10 articles
Debt Payoff
Strategies and tools for paying off debt faster
13 articles
Google Sheets
Formulas, templates, and tutorials for financial tracking in Google Sheets
22 articles
Spreadsheets vs Apps
Comparisons between spreadsheet and app-based financial tools
11 articles
Travel Budgeting
Trip planning, travel costs, and vacation savings
15 articles
Tax Planning
Income tax, self-employment tax, and tax-efficient investing
5 articles
Investing
Investment tracking, returns, and portfolio management
11 articles
Savings
Emergency funds, savings goals, and compound growth
39 articles
Tools & Reviews
Comparisons of financial tools, templates, and software
15 articles
Life & Money
Financial planning for life events, family, and lifestyle
Recent Articles
How to Forecast Cash Flow for a Small Business (6 Steps Plus Template)
How to forecast cash flow for a small business in 6 steps, with a 12-month rolling template, runway calculation, and worked example for a 3-person services firm.
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Spring Sprint: Our Business Spreadsheet Library, Built Out
Thirty business spreadsheet templates plus persona-themed bundles - cash flow, bookkeeping, KPI dashboards, industry models, freelancer and agency workbooks, real estate analysis. Built out across the past few months. Works in Excel and Google Sheets.
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Subscription Tracker Spreadsheet (Excel Template, Annualized Costs)
A subscription tracker spreadsheet logs every recurring charge, annualizes the cost, and flags renewal dates. Excel template plus a 10-minute audit routine.
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Retirement Withdrawal Calculator Spreadsheet (4 Percent Rule Built In)
A retirement withdrawal calculator spreadsheet uses the 4 percent rule with configurable rates. Includes safe withdrawal rate research, dynamic spending models, and a downloadable template.
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Freelancer Cash Flow Spreadsheet: Monthly Reconciliation in 15 Minutes
A freelancer cash flow spreadsheet tracks invoiced revenue, collections timing, and operating expenses. 15-minute monthly reconciliation routine and Google Sheets template.
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Rental Property Cash Flow Spreadsheet (Excel, Per-Unit Tabs)
A rental property cash flow spreadsheet tracks income, expenses, and net per unit. Includes Excel template, worked example for a 4-unit portfolio, and Schedule E categories.
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YNAB Alternative in Google Sheets: The Method, Mapped Cell by Cell
YNAB costs $109/year. The same four-rule method in Google Sheets costs $19 once. Here's how each YNAB rule maps to a spreadsheet cell, with worked examples.
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End-of-Year Budget Review Template: A 12-Month Retrospective
A year-end budget review template that walks through the 12 months you just lived. Variance per category, savings rate trend, and a checklist for next year's plan.
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Investment Portfolio Tracker (Excel, With Dividend Log and ROI)
An investment portfolio tracker spreadsheet logs holdings, dividends, and returns across accounts. Includes Excel template, ROI formula, and broker CSV import workflow.
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Financial Independence Spreadsheet: 5 Options Ranked for 2026
Five financial independence spreadsheets compared in 2026: Mad Fientist's, Personal Capital export, ProjectionLab, Aspire, and the FinancialAha Financial Planning Spreadsheet.
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Free Expense Tracker Google Sheets Template (5-Minute Setup)
Free expense tracker templates for Google Sheets in 2026. Includes Google's built-in version, two community options, setup walkthrough, and when paid is worth $15.
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How to Budget a 2-Week Europe Trip (Country-by-Country Costs)
Per-day cost estimates for 16 European countries in 2026, plus a worked example for a 2-week trip and a Google Sheets travel budget template.
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Wedding Budget Spreadsheet: 80 Rows That Cover the Whole Day
A wedding budget spreadsheet with 80 vendor and item rows, deposit tracking, and a guest-count multiplier. Free walkthrough plus Excel template at $12.
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One Page Financial Plan Template: 7 Sections That Actually Matter
A one-page financial plan template covers 7 sections: goals, net worth, cash flow, savings, debt, insurance, and a single this-quarter focus. Free walkthrough.
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