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Spreadsheets That Save You Money

No subscriptions, no apps reading your bank — just Excel/Google Sheets files you own forever.

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Monthly Budget Planner

First-time budgeters, couples

Zero-based budgeting
Dashboards & year view
Excel + Google Sheets

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Debt Payoff Calculator

Killing credit-card debt

Snowball & avalanche methods
Payoff date + interest saved
Side-by-side plans

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Small Business Expense Tracker

Freelancers, sellers, landlords

Tax categories
Profit & loss summary
Receipt log

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Rental Property Calculator

First-time landlords

Cash flow & cap rate
Mortgage scenarios
Offer analyzer

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Excel or Google Sheets?

Most listings include both. Excel = full power offline. Google Sheets = free and shareable. Check the listing before buying.

Quick answers

Do I need Excel?

Many files work in free Google Sheets — the listing says so.

One-time or subscription?

One-time payment. The file is yours forever.

Can I use it on a phone?

Yes, via Sheets/Excel apps — though a computer is easier.