# FinancialAha Free Spreadsheet Templates

> FinancialAha: financial spreadsheet templates and free calculators for personal financial planning and business finances. One-time purchases, no subscription, no bank connection. Most templates work in Microsoft Excel and Google Sheets; each template page clearly lists what that template is compatible with. The templates are plain .xlsx files, so they also open in LibreOffice. Your financial data stays in your own spreadsheet - in your Google account, or on your own device with Excel. FinancialAha never sees or stores it.

- Last updated: 2026-08-24 (this file is regenerated from the product data layer on every site build)
- 122 products, free, no sign-up. Works in Microsoft Excel and Google Sheets. Standard formulas only - no macros, no VBA. Each template page states its exact compatibility.
- License: CC BY 4.0 - use, modify, and share freely, including commercially, with attribution to FinancialAha.com.
- 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.
- Hub: https://www.financialaha.com/free-spreadsheet-templates/
- Related product lines, each a separate product with its own catalog: [Essentials Spreadsheet Templates](https://www.financialaha.com/essentials-spreadsheet-templates/llms.txt) ($19 each) and [Ultimate Spreadsheet Templates](https://www.financialaha.com/ultimate-spreadsheet-templates/llms.txt) ($29 each). All templates: [spreadsheet-templates/llms.txt](https://www.financialaha.com/spreadsheet-templates/llms.txt)

## All Free Spreadsheet Templates

- [Free Monthly Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/monthly-budget/)
- [Free 50/30/20 Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/50-30-20-budget/)
- [Free 60/20/20 Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/60-20-20-budget/)
- [Free 70/20/10 Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/70-20-10-budget/)
- [Free 80/20 Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/80-20-budget/)
- [Free Zero-Based Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/zero-based-budget/)
- [Free Household Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/household-budget/)
- [Free Weekly Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/weekly-budget/)
- [Free Paycheck Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/paycheck-budget/)
- [Free Annual Budget Planner Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/annual-budget-planner/)
- [Free Student Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/student-budget/)
- [Free Envelope Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/envelope-budget/)
- [Free Simple Budget Worksheet Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/simple-budget-worksheet/)
- [Free Monthly Budget Calendar Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/monthly-budget-calendar/)
- [Free Expense Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/expense-tracker/)
- [Free Income & Expense Worksheet Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/income-expense-worksheet/)
- [Free Bill Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/bill-tracker/)
- [Free Subscription Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/subscription-tracker/)
- [Free Money Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/money-tracker/)
- [Free Wedding Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/wedding-budget/)
- [Free Travel Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/personal-budgeting/travel-budget/)
- [Free Debt Payoff Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/debt-payoff-calculator/)
- [Free Credit Card Payoff Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/credit-card-payoff/)
- [Free Debt Snowball Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/debt-snowball/)
- [Free Balance Transfer Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/balance-transfer-calculator/)
- [Free Line of Credit Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/line-of-credit-tracker/)
- [Free Credit Repair Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/credit-repair-spreadsheet/)
- [Free Debt-to-Income Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/debt-to-income-calculator/)
- [Free Student Loan Payoff Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/debt-management/student-loan-payoff/)
- [Free Savings Goal Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/savings-goal-tracker/)
- [Free Emergency Fund Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/emergency-fund-calculator/)
- [Free Retirement Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/retirement-calculator/)
- [Free Retirement Savings Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/retirement-savings-calculator/)
- [Free 401k Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/401k-calculator/)
- [Free Traditional vs Roth Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/traditional-vs-roth-calculator/)
- [Free College Savings Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/college-savings-calculator/)
- [Free Compound Interest Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/compound-interest-calculator/)
- [Free Simple Interest Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/simple-interest-calculator/)
- [Free Annuity Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/annuity-calculator/)
- [Free Savings Withdrawal Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/savings-withdrawal-calculator/)
- [Free FIRE Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/savings-retirement/fire-calculator/)
- [Free Net Worth Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/net-worth-financial-planning/net-worth-tracker/)
- [Free Personal Financial Statement Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/net-worth-financial-planning/personal-financial-statement/)
- [Free Financial Goal Planner Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/net-worth-financial-planning/financial-goal-planner/)
- [Free Cost Comparison Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/net-worth-financial-planning/cost-comparison-template/)
- [Free Inflation Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/net-worth-financial-planning/inflation-calculator/)
- [Free Home Mortgage Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/home-mortgage-calculator/)
- [Free Loan Amortization Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/loan-amortization/)
- [Free Home Affordability Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/home-affordability-calculator/)
- [Free Mortgage Payoff Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/mortgage-payoff-calculator/)
- [Free Home Equity Loan Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/home-equity-loan-calculator/)
- [Free ARM Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/arm-calculator/)
- [Free Mortgage Refinance Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/mortgage-refinance-calculator/)
- [Free Home Expense Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/home-expense-calculator/)
- [Free Rent vs Buy Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/mortgage-home/rent-vs-buy-calculator/)
- [Free Auto Loan Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/auto-loans/auto-loan-calculator/)
- [Free Loan Payment Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/auto-loans/loan-payment-calculator/)
- [Free Balloon Loan Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/auto-loans/balloon-loan-calculator/)
- [Free Interest-Only Loan Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/auto-loans/interest-only-loan-calculator/)
- [Free Lease vs Buy Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/auto-loans/lease-vs-buy-calculator/)
- [Free Simple Invoice Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/simple-invoice/)
- [Free Service Invoice Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/service-invoice/)
- [Free Sales Invoice Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/sales-invoice/)
- [Free Consultant Invoice Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/consultant-invoice/)
- [Free Freelancer Invoice Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/freelancer-invoice/)
- [Free Billing Statement Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/billing-statement/)
- [Free Quote Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/quote-template/)
- [Free Purchase Order Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/purchase-order/)
- [Free Work Order Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/work-order/)
- [Free Receipt Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/receipt-template/)
- [Free Packing Slip Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/packing-slip/)
- [Free Invoice Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/invoicing-billing/invoice-tracker/)
- [Free Cash Flow Statement Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/cash-flow-statement/)
- [Free Profit & Loss Projection Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/profit-and-loss-projection/)
- [Free Sales Forecast Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/sales-forecast/)
- [Free Startup Costs Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/startup-costs/)
- [Free Business Plan Workbook Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/business-plan-workbook/)
- [Free Depreciation Schedule Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/depreciation-schedule/)
- [Free Petty Cash Log Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/petty-cash-log/)
- [Free Expense Report Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/expense-report/)
- [Free Mileage Tracking Log Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/mileage-tracking-log/)
- [Free Rental Property Cashflow Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/rental-property-cashflow/)
- [Free Small Business Bookkeeping Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/small-business-bookkeeping/)
- [Free Etsy Seller Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/etsy-seller-spreadsheet/)
- [Free Airbnb Rental Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/airbnb-rental-tracker/)
- [Free Freelancer Finance Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/freelancer-finance-tracker/)
- [Free Price List Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/price-list-template/)
- [Free Accounts Receivable Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/accounts-receivable-tracker/)
- [Free Accounts Payable Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/accounts-payable-tracker/)
- [Free Project Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/project-budget/)
- [Free Balance Sheet Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/balance-sheet/)
- [Free Break-Even Analysis Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/break-even-analysis/)
- [Free Business Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/business-finance/business-budget/)
- [Free Employee Payroll Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/employee-payroll/)
- [Free Payslip Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/payslip-template/)
- [Free Weekly Timesheet Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/timesheet-weekly/)
- [Free Time Card Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/time-card-calculator/)
- [Free Vacation / PTO Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/vacation-pto-tracker/)
- [Free Employee Leave Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/employee-leave-tracker/)
- [Free Expense Reimbursement Form Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/expense-reimbursement-form/)
- [Free Take-Home Pay Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/payroll-hr/take-home-pay-calculator/)
- [Free Investment Portfolio Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/investment-portfolio-tracker/)
- [Free Stock Trading Journal Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/stock-trading-journal/)
- [Free Options Trading Journal Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/options-trading-journal/)
- [Free Crypto Portfolio Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/crypto-portfolio-tracker/)
- [Free ETF & Index Fund Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/etf-index-fund-tracker/)
- [Free Dividend Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/dividend-tracker/)
- [Free Capital Gains Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/capital-gains-calculator/)
- [Free NPV & IRR Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/investing-trading/npv-irr-calculator/)
- [Free Tax Deduction Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/tax-planning/tax-deduction-tracker/)
- [Free Self-Employment Tax Calculator Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/tax-planning/self-employment-tax-calculator/)
- [Free Quarterly Tax Payment Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/tax-planning/quarterly-tax-payment-tracker/)
- [Free Donation & Giving Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/tax-planning/donation-giving-tracker/)
- [Free 1099 Income Tracker Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/tax-planning/1099-income-tracker/)
- [Free Christmas Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/christmas-budget/)
- [Free Event Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/event-budget/)
- [Free Baby Budget Planner Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/baby-budget-planner/)
- [Free Home Renovation Budget Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/home-renovation-budget/)
- [Free Moving Budget Planner Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/moving-budget-planner/)
- [Free Checkbook Register Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/checkbook-register/)
- [Free Account Register Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/account-register/)
- [Free Money Management for Kids Spreadsheet Template](https://www.financialaha.com/free-spreadsheet-templates/special-purpose/money-management-kids/)

Each template page includes a detailed comparison of its related Free and Essentials products and, where one exists, the Ultimate product - what each one holds, which sheets it adds, and what only the Ultimate product does.

## More

- [llms.txt](https://www.financialaha.com/llms.txt): the curated site-wide map for AI agents
- [llms-full.txt](https://www.financialaha.com/llms-full.txt): the complete reference (full catalogs, FAQ, glossary)
- [products.json](https://www.financialaha.com/api/products.json) and [calculators.json](https://www.financialaha.com/api/calculators.json): machine-readable feeds