Templates

Monthly Budget Tracker

Know exactly where every dollar goes

Dashboard: budget vs actual for any month, instantly
400-row transaction log with category dropdowns
25 customizable categories + 8 income sources
Year View: 12-month income / expenses / net + trend chart
Over-budget alerts built in (red at 100%, yellow at 85%)

$9.99 Buy now

Debt Payoff Planner

Your debt-free date, calculated

Real Snowball & Avalanche engine — toggle to compare instantly
Handles up to 8 debts over a 120-month schedule
Paid-off minimums automatically roll into the next debt
Shows debt-free date, total interest, and per-debt payoff dates
Full month-by-month schedule included

$7.99 Buy now

Net Worth Tracker

Watch your wealth grow, month by month

24-month snapshot grid — 12 asset + 8 liability accounts
Automatic totals, monthly change, and % change
Net worth trend chart
5 minutes a month is all it takes

$4.99 Buy now

Savings Goals Planner

Hit every savings goal on schedule

Track up to 10 goals with progress bars
Tells you the exact monthly amount each deadline requires
On track / Behind status that updates itself
Contribution log keeps the history

$4.99 Buy now

BEST VALUE

Complete Personal Finance Bundle

All four templates. Your entire money system.

Monthly Budget Tracker ($9.99)
Debt Payoff Planner ($7.99)
Net Worth Tracker ($4.99)
Savings Goals Planner ($4.99)
Save $10 vs buying separately

$16.99 ~~$27.96~~ Get the bundle

Try before you buy — free Subscription Tracker

See the build quality first. The free Subscription Tracker finds the recurring payments you forgot about and shows their true monthly cost. No email required.

Download free template

Free calculators

Try the math before you buy the template — six free, no-signup calculators that run the same engines as our spreadsheets, right in your browser.

Debt Snowball CalculatorSnowball vs avalanche, side by side: debt-free date and total interest for both.50/30/20 Budget CalculatorSplit your after-tax income into needs, wants, and savings in one click.Savings Goal CalculatorWhen will you reach your goal — and what monthly amount hits a deadline?Compound Interest CalculatorFuture value with monthly contributions, plus a year-by-year growth table.Net Worth CalculatorAdd up what you own minus what you owe — your single most useful money number.Emergency Fund CalculatorHow big should your emergency fund be — and when will it be fully funded?Mortgage Extra Payment CalculatorSee exactly how many years and how much interest an extra monthly payment saves.Credit Card Minimum Payment CalculatorSee how long minimum-only payments really take — and what a fixed payment saves.Rule of 72 CalculatorHow fast your money doubles at any rate — plus the exact math behind the shortcut.CD Ladder CalculatorSplit savings across staggered CDs and see the blended payout vs one long-term CD.Salary to Hourly CalculatorConvert annual salary to an hourly rate (or back) — with vacation and unpaid time off counted.Sinking Fund CalculatorPlan monthly contributions for several known future expenses at once — new roof, car, property tax, and more.FIRE Number CalculatorHow much you need invested to retire early, plus your projected FIRE date at your current pace.Car Affordability CalculatorHow much car you can actually afford, worked backward from your income instead of a dealer's monthly payment.Debt-to-Income Ratio CalculatorYour front-end and back-end DTI, rated against the cutoffs lenders actually use, plus how much room you have before you cross one.

FAQ

How do I get the files?: Click Buy now and pay with PayPal or in USDT (TRC20 on Tron) or USDT/USDC on Ethereum, Base or BNB Chain. Crypto: paste your transaction ID in the payment panel — it's verified on-chain and your download opens instantly. PayPal: your download link is emailed to your PayPal address within 24 hours. Keep the download link — it works for re-downloads. (Trouble? Email streamofwork@gmail.com and we deliver within 24 hours.)
What do I need to open them?: Microsoft Excel 2016 or newer, LibreOffice (free), or Google Sheets (upload the file to Google Drive and open it). Every template has a 60-second "Start Here" tab.
Are these just pretty tables?: No — they're engines. The Debt Payoff Planner runs a real 120-month snowball/avalanche simulation. The Budget Tracker recalculates your whole month the moment you log a transaction. Blue cells are inputs; everything else computes itself.
Refunds?: Digital files can't be returned, but if a template doesn't work as described, email us and we'll fix it or refund you. We'd rather you be happy.