Free Tools to Manage Your Money

Simple templates and calculators you can use right away.

Monthly Budget Template

A lightweight monthly budget you can use in Google Sheets, Excel, or Numbers. Start with your real numbers, then adjust slowly.

Debt Payoff Planner

If you’re overwhelmed, keep it simple. List your debts, pick a method, automate the minimums, and focus your extra money on one balance at a time.

Simple steps

1. Write down each debt: balance, interest rate, minimum payment.
2. Choose a strategy: avalanche (highest interest first) or snowball (smallest balance first).
3. Pay minimums on everything, then put all extra money toward your focus debt.
4. When a debt is paid off, roll that payment into the next one.

Side Hustle Income Tracker

Track your side hustle income and expenses so you know what you actually keep. It also makes tax time less stressful.

50/30/20 Budget Guide

The 50/30/20 rule is a simple framework: 50% needs, 30% wants, 20% savings/debt. It’s a guideline, not a law.

Quick example

If your after-tax income is $4,000/month:

• Needs (50%): $2,000
• Wants (30%): $1,200
• Savings/Debt (20%): $800