Excel templates, free to keep.
Every template is a plain .xlsx with live formulas — change the green input cells and everything recalculates. No signup, no email gate, no macros. They work in Excel, Google Sheets and LibreOffice.
Mortgage amortization
Full month-by-month schedule with taxes, insurance and HOA, plus payment summary.
⇩ DownloadLoan amortization
Any fixed-rate loan: payment, total interest, and the complete payoff schedule.
⇩ DownloadCompound interest
Starting balance plus monthly contributions, projected year by year for up to 50 years.
⇩ DownloadDebt payoff planner
Month-by-month payoff with an extra-payment column so you can see the savings.
⇩ DownloadSavings goal planner
Solves the monthly deposit for a target amount and date, with a progress table.
⇩ DownloadMonthly budget planner
Planned vs. actual across income and 20+ expense lines, with automatic differences.
⇩ Download
Why free? The web calculators are ad-supported, and the templates make them more useful — that's the whole business model. The files carry no branding hooks, no hidden links, and no macros; open them with confidence, or inspect them first (an .xlsx is just a zip of XML).