Free Money Tools & Templates

Know which official dates can move your rates, prices and deadlines — Nov 2026 to Apr 2027.

Features

• Fed decisions, jobs reports, CPI and PCE releases, tax and health-enrollment deadlines, each with a 'why it matters' note and the official source link
• Automatic 'days left' countdown that updates every time you open the file
• 'Done?' tracker and a notes column, plus blank rows for your own dates (rent rises, renewals, bill resets)
• 'Latest Results' tab: what the recent releases actually said, checked against the official releases

How to use it

1. Open the Calendar tab and check the 'Days left' column
2. For each date, read 'Why it matters' and write your action in 'My notes'
3. Mark 'Done?' when handled

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

One page that shows where your money goes — and checks it against the 50/30/20 rule.

Features

• Planned vs. actual columns for your income and 19 spending lines
• Every line tagged Needs, Wants or Savings & Debt, with automatic totals and percentages
• Built-in 50/30/20 check with a clear status — On track, Over target or Below target — plus a chart
• 'Money left over' lines for both your plan and your actual month, and two blank rows for your own categories

How to use it

1. Type the month at the top of the Budget tab
2. Enter planned income and spending, then fill in actuals as the month goes
3. Check what's left and the 50/30/20 status; copy the tab at month end for a fresh month

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Read the guide: the 50/30/20 budget rule

See your debt-free date and the interest you'll pay — under the strategy you choose.

Features

• Enter up to six debts; switch between Snowball (smallest balance first) and Avalanche (highest rate first)
• Freed-up minimum payments roll into the next debt automatically
• Months to debt-free, your debt-free date, total interest and total paid, updated as you type
• A full month-by-month schedule (up to 120 months) and a warning if a minimum payment doesn't cover the interest

How to use it

1. On the Debts tab, enter each debt's name, balance, APR and minimum payment
2. Pick Snowball or Avalanche and add any extra monthly payment
3. Set your start date — then try changing the extra payment and watch the debt-free date move

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Prefer a web tool? Try the free debt payoff calculator

Build a safety net, and turn surprise bills into planned monthly amounts.

Features

• Emergency fund target built from your own essential expenses — choose 1 to 12 months of cover
• Progress %, amount remaining, months to goal and an estimated finish date
• Up to 10 sinking funds with due dates, each showing the exact amount to set aside monthly
• A monthly set-aside total across all your funds

How to use it

1. List your essential monthly expenses and pick your months of cover (3–6 is common)
2. Enter what you've saved and what you can add each month
3. On the Sinking Funds tab, list each irregular expense with its amount and due date; update 'saved so far' monthly

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Read the guides: Emergency fund: how much & where to keep it · Sinking funds: save for irregular expenses

See the true cost of any loan — payment, payoff date and total interest — before you sign.

Features

• Monthly payment, total interest and total cost of the loan, updated as you type
• A full month-by-month amortization schedule for loans up to 30 years (360 payments)
• Add an extra monthly payment and see the new payoff date and the interest you save
• Works for car loans, personal loans, business loans and fixed-rate mortgages

How to use it

1. Enter the amount, APR, term in months and first payment date
2. Read your payment, total interest and payoff date in the results box
3. Open the Amortization Schedule tab to see every payment split into interest and principal

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Prefer a web tool? Browse FundMil's free calculators

Find out whether a property or business earns enough to cover its loan payments — the way a lender looks at it.

Features

• Step-by-step build-up: effective income, operating expenses, then net operating income (NOI)
• Your debt service coverage ratio, plus the cash flow left after debt payments, per year and per month
• A maximum-payment check: the biggest monthly payment your income supports at your target DSCR
• A plain-English guide to reading your ratio, built into the sheet

How to use it

1. Enter the annual income and vacancy percentage in Step 1
2. Add operating expenses in Step 2 — loan payments do not go here
3. Enter the loan payment in Step 3 and read your DSCR in the results box

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Every document lenders commonly ask for on an SBA 7(a) application — in one checklist you can tick off.

Features

• 25 items grouped the way lenders think: business basics, owners, business financials, and use of funds & collateral
• A status tracker with a live % complete score, so you always know what is still missing
• The key SBA forms named — Form 1919, Form 413 and Form 912 — with what each one is for
• A Key Figures tab that keeps the facts every form asks for in one place

How to use it

1. Fill in the Key Figures tab first — business facts, owners, amount requested
2. Work down the Checklist tab, setting each item's status as you go
3. At 100%, your application pack is ready to send to your lender

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Every business loan, card and credit line on one page — the exact schedule lenders ask for.

Features

• Room for 12 debts: term loans, credit lines, business cards, equipment loans and SBA loans
• Automatic totals for the balance owed and monthly payments, plus your yearly debt cost
• Your weighted average interest rate — the true average, weighted by balance
• A flag naming your highest-rate debt

How to use it

1. Enter one row per debt, using your latest statements for balances and rates
2. Read the totals box: total owed, monthly load and average rate
3. Update it monthly, or right before any loan application

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Applying for an SBA loan? This schedule is part of the application pack — see the SBA checklist above.

Log money in and out in minutes — and get a monthly profit & loss and cash flow view automatically.

Features

• A simple transaction log for a full year — up to 200 entries, with dropdown categories
• Automatic monthly profit & loss: income, 12 expense categories, net profit and margin
• A cash flow view that carries your balance forward month to month
• Sample entries included, so you can see it working before you type your own

How to use it

1. Log each sale and bill on the Transactions tab as it happens
2. Check the P&L Summary tab for your monthly and full-year profit
3. Enter your opening balance on the Cash Flow tab and compare month-end balances with your bank

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF