122 Free Templates
Over 7,000 downloads
Free Financial Spreadsheet Templates for Excel & Google Sheets
Download free, ready-to-use financial spreadsheet templates. We use AI to stress-test the structure and calculations in every template. Compatible with Microsoft Excel and Google Sheets.
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.
Ready to Upgrade from Free?
Bundle and save with a pack. Themed packs bundle multiple paid templates 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
10Ten property templates: mortgage calculator, rent vs buy, home expenses, renovation budget, rental property cashflow, Airbnb tracker, affordability calculator, refinance, payoff, and home equity loan.
Small Business Ultimate Pack
10Ten business templates: business budget, P&L projection, sales forecast, cash flow statement, bookkeeping, invoice tracker, balance sheet, break-even analysis, startup costs, and business plan workbook.
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.
Ultimate Financial Spreadsheet Templates - 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 pricePopular Templates
Some of our most downloaded free spreadsheets
Monthly Budget
What you planned sits beside what happened, with a difference on every line, so a month that came out level still shows what ran over. The Free Monthly Budget spreadsheet template takes money in as positive and money out as negative, which makes the foot of the sheet what is left, and treats saving as an outgoing line of its own. Sixteen category rows, plus a How to Use tab. Google Sheets or Excel, one file. No macros, no VBA.
Debt Payoff Calculator
Balance, annual rate and monthly payment - three numbers in, and back come the months to clear the debt, the total paid over the run, and the interest shown apart from it. The Free Debt Payoff Calculator spreadsheet template also expresses the annual rate per month, keeps the whole calculation on one working sheet, and puts its How to Use guide on a second tab. Google Sheets or Excel, one file. No macros, no VBA.
Retirement Calculator
Five inputs: your age, the age you plan to stop, what you hold now, what you add each month and the return you assume. The Free Retirement Calculator spreadsheet template returns the projected balance at that retirement age, the years remaining, the total contributed including your starting balance, and the growth kept apart from what you put in yourself. One working sheet and a currency dropdown. Google Sheets or Excel, one file. No macros, no VBA.
Invoice Tracker
Sixteen lines, each holding your own invoice number, the client, the date issued, the amount and a status. Above them the Free Invoice Tracker spreadsheet template keeps a strip with the total billed and what is still outstanding, and a currency dropdown beside the title relabels the amount column. There is no due date in this build. One working sheet plus How to Use. Google Sheets or Excel. No macros, no VBA.
Investment Portfolio Tracker
A row per position with ticker, shares and average cost, plus a current price column you keep up to date yourself, and market value and gain or loss against cost fall out of it. The Free Investment Portfolio Tracker spreadsheet template holds 16 positions on one working sheet, with How to Use on a second tab. Google Sheets or Excel, one file. No macros, no VBA.
Home Mortgage Calculator
Three inputs - the amount borrowed, the annual rate, the term - and five results under them: the monthly principal and interest, everything paid across the term, the interest inside that total, the rate expressed per month and the number of payments the term contains. The Free Home Mortgage Calculator spreadsheet template keeps all of it on one working sheet with a currency dropdown. Google Sheets or Excel, one file. No macros, no VBA.
FIRE Calculator
Five assumptions in, three figures out. Take-home income, savings rate, what you already hold, what a year will cost once you stop, and a real expected return you set yourself so the assumption is never hidden. The Free FIRE Calculator spreadsheet template puts the target portfolio at twenty-five times your retirement spending, derives annual savings from your income and rate, and returns the years to reach it. One working sheet plus How to Use, in Google Sheets or Excel. No macros, no VBA.
Employee Payroll
Hours against a rate gives gross pay, the deductions you enter come off it, and net pay follows on the same line. The Free Employee Payroll spreadsheet template holds nine people on one working sheet and carries a strip for the whole run - gross payroll, deductions, net payroll - with no rates built into the file. A How to Use guide sits on a second tab. Google Sheets or Excel, one file. No macros, no VBA.
Stress-tested with AI.
Every template starts with deep research into how people actually track the topic. We design the layout, build the formulas, and polish the design until it feels like something we would use ourselves. Along the way, we use AI to stress-test the calculations: unusual inputs, edge cases, and formula behavior, checked until the numbers hold.
Need more advanced features?
Our premium spreadsheet templates include multi-sheet dashboards, advanced formulas, native charts, and ongoing updates.