Free Tools
Useful things, free forever
Calculators, worksheets, checklists, and guides. Most download instantly with no email needed — a few, like the Subscription Tracker, we send straight to your inbox.
Free Subscription Tracker
List every recurring service, convert billing cycles to a true monthly cost, flag renewals due in 30 days, and decide Keep, Review, Pause or Cancel. Delivered to your inbox.
Worksheet · Excel workbook (.xlsx)
Private Excel workbook. No account needed to use it, and your financial information stays on your device.
Starter Budget Worksheet
A one-page monthly budget to get started in fifteen minutes. Our most popular free download.
Worksheet · PDF (fillable + printable)
Annual Financial Health Checklist
Twenty-five checkpoints across savings, debt, insurance, and retirement — a once-a-year physical for your money.
Checklist · PDF (fillable + printable)
Emergency Fund Quick-Start Guide
The milestone ladder explained, plus where to keep the money and how to automate deposits.
Guide · PDF (fillable + printable)
Retirement Accounts Cheat Sheet
401(k), IRA, Roth, HSA — 2026 limits, tax treatment, and withdrawal rules on one printable page.
Reference Sheet · PDF
Debt Payoff Quick-Start Guide
Snowball vs. avalanche explained, with a worksheet to list your debts and pick a strategy today.
Guide · PDF (fillable + printable)
eBay & Etsy Fee Cheat Sheet
Current platform fee structures side by side, so you can quote your real costs from memory.
Reference Sheet · PDF
Compound Interest Calculator
An interactive calculator for contributions, time horizons, and growth scenarios.
Calculator · Web app
Retirement Gap Calculator
The 20-minute retirement self-check from our Learning Center, automated.
Calculator · Web app
Want the new ones as they land?
We add worksheets, cheat sheets, and calculators regularly, and refresh the tax and contribution figures every January. Almost everything here downloads instantly with no email needed — but if you’d rather not check back, we’ll send new ones to you. One email a week, unsubscribe anytime.
The Financial Glossary
Every money term that matters, defined in plain English — from APR to zero-based budgeting. Bookmark it; jargon never wins here.