122+ Free Templates
Free Financial Spreadsheet Templates for Excel & Google Sheets
Download free, ready-to-use financial spreadsheet templates. Built by Claude AI, perfected by us. Compatible with Microsoft Excel, Google Sheets, and LibreOffice.
Browse by Category
Personal Budgeting
Monthly, weekly, and annual budget templates for individuals and households.
Debt Management
Tools for tracking and planning debt payoff using various strategies.
Savings & Retirement
Calculators and trackers for savings goals, retirement planning, and compound growth.
Net Worth & Financial Planning
Templates for tracking net worth, setting financial goals, and long-term planning.
Mortgage & Home
Mortgage calculators, amortization schedules, and home-related financial tools.
Auto & Loans
Auto loan calculators and general loan payment tools.
Invoicing & Billing
Invoice templates, billing statements, and document templates for businesses.
Business Finance
Financial statements, bookkeeping, expense tracking, and business planning tools.
Payroll & HR
Payroll calculators, timesheets, leave trackers, and employee management tools.
Investing & Trading
Portfolio trackers, trading journals, and investment analysis tools.
Tax Planning
Deduction trackers, tax calculators, and quarterly payment planners.
Special Purpose
Event budgets, seasonal planners, and specialty financial templates.
Bundle and Save with a Pack
Ready to upgrade? Themed packs bundle multiple paid templates at a discount.
Ultimate Spreadsheets - Full Access Pack
Every Ultimate spreadsheet template in the catalog, in one purchase - budgeting, debt payoff, investing, retirement, real estate, small business, freelancing, net worth, and more.
58 Ultimate templates - everything we make, one priceRetirement 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 Templates
Some of our most downloaded free spreadsheets
Monthly Budget
Plan and track one month of income and expenses across 12 categories.
Debt Payoff Calculator
Estimate how long it takes to pay off one debt given the balance, APR, and monthly payment.
Retirement Calculator
Quick projection of retirement savings given age, contribution, and expected return.
Invoice Tracker
Open-invoice list with status, amount, and days outstanding.
Investment Portfolio Tracker
Holdings with ticker, shares, cost basis, current price, and gain/loss.
Home Mortgage Calculator
Calculate the monthly payment and lifetime interest of a fixed-rate mortgage.
FIRE Calculator
Financial Independence / Retire Early estimate using the 25x and 4% rules.
Employee Payroll
Pay calculation for up to 10 employees with gross, deductions, and net pay.
Built by Claude AI. Perfected by us.
We use Claude AI to draft each template, after a deep research. Then our team steps in. We refine the layout, stress-test every formula, fix edge cases, and polish the design until it feels like something we would actually use ourselves. The AI gets us 80% there. The last 20% is all human judgment.
Need more advanced features?
Our premium spreadsheet templates include multi-sheet dashboards, advanced formulas, native charts, and ongoing updates.