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Printable worksheets, fillable spreadsheets, and step-by-step checklists — designed by a CFP. Download instantly, no signup required.

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CSV Spreadsheet
50/30/20 Monthly
Budget Template

The complete budgeting spreadsheet for beginners. Tracks all income, categorizes every expense into the 50/30/20 buckets, and shows your surplus or deficit at a glance. Works in Excel, Google Sheets, and any spreadsheet app — just open and fill in your numbers.

  • Pre-built 50/30/20 category structure — fill in the numbers, totals calculate automatically
  • Needs, wants, and savings sections with running totals
  • Budgeted vs. actual vs. difference columns for every category
  • Monthly summary: total income, total spent, total saved, over/under
  • Identifies your biggest overspending categories at a glance
Download Free (.csv)Read the guide →
Printable Worksheet
Emergency Fund Worksheet

Step-by-step worksheet to calculate your exact emergency fund target, find your gap, and build a realistic savings timeline. Print it and work through it with a pen.

  • Monthly essential expenses calculator (8 line items)
  • 3-month and 6-month target side-by-side
  • Savings timeline table at $100/$200/$300/$500/month
  • Where to keep it: HYSA vs. money market comparison (2026 rates)
  • 8-step action checklist
Open & Print FreeRead guide →
Printable Checklist
Beginner Investing Checklist

25 steps across 5 phases — financial foundation, account selection, fund selection, first investment, and ongoing habits. Print and check off each step.

  • Phase 1: Financial foundation before you invest
  • Phase 2: 401k, Roth IRA, or brokerage — which to open first
  • Phase 3: Choose your first index fund + expense ratio check
  • Phase 4: Make your first investment — step by step
  • Phase 5: Ongoing habits that beat 90% of investors
Open & Print FreeRead guide →
CSV Spreadsheet
Debt Payoff Tracker

Track every debt in one spreadsheet — balance, APR, minimum payment — with a built-in Avalanche vs. Snowball strategy comparison.

  • Up to 7 debts: balance, APR, minimum, extra payment columns
  • Avalanche vs. Snowball strategy comparison table
  • 12-month payment tracker to watch balances shrink
  • Payoff order column for your chosen strategy
Download Free (.csv)Read guide →
CSV Spreadsheet
Net Worth Tracker

The single most important number in personal finance. Track all assets and liabilities quarterly to see your real financial progress year over year.

  • Complete assets: cash, investments, retirement accounts, property
  • All liabilities: credit cards, loans, mortgage
  • Net worth auto-calculated (assets minus liabilities)
  • Quarterly tracking table — 5 quarters to spot your trend
Download Free (.csv)Read guide →

How to Use These Resources

1

Download the file

CSV files open in Excel, Google Sheets, or Apple Numbers. Printable worksheets open in any browser — use Ctrl+P to print or save as PDF.

2

Read the paired guide

Each template links to a full article explaining the strategy behind it. Understanding the why makes the template 10× more effective.

3

Run numbers with the calculators

Our free calculators let you test scenarios in real time. Use the templates for offline tracking — they work together.

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