Essentials Spreadsheet Templates
Richer than the free tier: dashboards with charts, pre-filled subcategories, and expanded capacity. One-time $12 per template.
Browse by Category
122 templates across 12 categories
Personal Budgeting
21Monthly, weekly, and annual budget templates for individuals and households.
Business Finance
21Financial statements, bookkeeping, expense tracking, and business planning tools.
Savings & Retirement
12Calculators and trackers for savings goals, retirement planning, and compound growth.
Invoicing & Billing
12Invoice templates, billing statements, and document templates for businesses.
Mortgage & Home
9Mortgage calculators, amortization schedules, and home-related financial tools.
Debt Management
8Tools for tracking and planning debt payoff using various strategies.
Payroll & HR
8Payroll calculators, timesheets, leave trackers, and employee management tools.
Investing & Trading
8Portfolio trackers, trading journals, and investment analysis tools.
Special Purpose
8Event budgets, seasonal planners, and specialty financial templates.
Net Worth & Financial Planning
5Templates for tracking net worth, setting financial goals, and long-term planning.
Auto & Loans
5Auto loan calculators and general loan payment tools.
Tax Planning
5Deduction trackers, tax calculators, and quarterly payment planners.
Bundle and Save with a Pack
Themed packs that group Ultimate and Essentials templates together at a discount.
Retirement Ultimate Pack
10Ten retirement-planning templates: retirement and FIRE calculators, savings goal tracker, emergency fund, college savings, 401(k), traditional vs Roth, compound interest, retirement savings, and annuity math.
Real Estate Ultimate Pack
10Twelve property templates: mortgage calculator, loan amortization, rent vs buy, home expenses, renovation budget, rental property cashflow, Airbnb tracker, affordability calculator, refinance, payoff, home equity loan, and ARM math.
Small Business Ultimate Pack
10Fourteen business templates: budget, P&L projection, sales forecast, cash flow, bookkeeping, invoice and billing trackers, balance sheet, break-even, startup costs, business plan, AR/AP trackers, and project budget.
Budgeting Ultimate Pack
9Nine budgeting templates covering monthly budgets, the 50/30/20 method, zero-based budgeting, household budgets, paycheck planning, and expense tracking.
Investing Ultimate Pack
8Eight templates for active investors: portfolio tracker, stock and options trading journals, crypto portfolio, dividend tracker, capital gains, NPV/IRR analysis, and an ETF tracker.
Freelancer Ultimate Pack
8Eight templates for self-employed income: freelancer finance tracker, Etsy seller spreadsheet, 1099 income tracker, tax deduction tracker, self-employment tax, quarterly tax tracker, mileage log, and expense reports.
Payroll & HR Ultimate Pack
8Eight templates for small businesses with employees: employee payroll, timesheet, vacation/PTO tracker, payslip, time card, employee leave, expense reimbursement, and take-home pay calculators.
Debt Payoff Ultimate Pack
7Seven debt-elimination templates: payoff calculator, credit card payoff, debt snowball, student loan payoff, balance transfer math, debt-to-income, and credit repair tracking.
Net Worth Tracker Ultimate Pack
6Six templates for tracking and analyzing your net worth: net worth tracker, personal financial statement, financial goal planner, inflation calculator, cost comparison, and account register.
Life Events Budget Ultimate Pack
6Six templates for major life events: wedding budget, baby budget, event budget, Christmas budget, moving budget, and money management for kids.
Auto Loan Ultimate Pack
5Five vehicle-financing templates: auto loan calculator, lease vs buy, generic loan payment, balloon loan, and interest-only loan calculators.
Bill Tracker Ultimate Pack
5Five day-to-day money-tracking templates: subscription tracker, bill tracker, checkbook register, monthly budget calendar, and money tracker.
Popular Essentials templates
Hand-picked across categories - start here if you're not sure what to pick
Monthly Budget
Track monthly income and expenses across categories. A straightforward starting point for anyone looking to get a clear picture of where money goes each month.
Debt Payoff Calculator
Compare snowball and avalanche payoff strategies side by side. Enter multiple debts and see projected payoff timelines and total interest for each method.
Retirement Calculator
Project retirement savings growth based on current age, savings rate, and expected returns. See whether current contributions align with retirement timeline goals.
Invoice Tracker
Track all outstanding and paid invoices in one place. Monitor payment status, aging, and total receivables across clients.
Investment Portfolio Tracker
Track investment holdings across stocks, bonds, and funds. Monitor portfolio value, allocation, and performance in one dashboard.
Home Mortgage Calculator
Calculate monthly mortgage payments and view a full amortization schedule. Enter loan amount, rate, and term to see payment breakdowns over the life of the loan.
FIRE Calculator
Calculate financial independence targets based on annual expenses and savings rate. Project when investment income could cover living costs.
Net Worth Tracker
List assets and liabilities to calculate total net worth. Track changes over time to see overall financial progress.
What makes Essentials different
Full dashboard
KPI strip, charts, and month-over-month tracking - not just a single table.
Pre-filled categories
Realistic sample data and subcategories so you can start without a blank canvas.
Instant download
.xlsx file delivered right after checkout. No sign-up, no macros, no subscription.
Larger capacity
More rows, more categories, more months - built for real-world usage.
Not sure where to start?
Try the free version of any template first. When you're ready for the dashboard and extra capacity, upgrade to Essentials - a one-time $12 purchase.