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Free Tools + Guides & Templates

The calculators on this site are free and always will be. These are paid, done-for-you templates and guides for the parts that take more than a calculator.

Cash Flow & Budget Tracker (Excel Template)

A ready-made spreadsheet for tracking income, fixed bills, flexible spending, and savings every month — the practical follow-through to the budgeting math on this site, without building a tracker from scratch.

Emergency Fund Builder & Fragility Scorecard (Excel Template)

An essential-expense splitter that finds your true monthly burn, a five-point fragility scorecard, a month-by-month funding plan with the date you hit your target, and a stress test for what one surprise bill does to your runway — the deeper follow-through to the free Savings Runway and Emergency Fund Target calculators.

Debt Freedom Tracker (Excel Template)

Snowball vs. avalanche payoff order, a real-dollar calculator for what an extra payment actually saves you, and a debt-to-income tracker that updates automatically as your balances drop — the practical follow-through to the debt math on this site.

The Wedding Vendor Contract Playbook

Red flags to catch before you sign, negotiation scripts for the conversations that feel awkward, and comparison worksheets so you can put vendor quotes side by side instead of guessing.

ATS Keyword Match Tracker (Excel Template)

Compare your resume's keywords against a job posting before you apply, so your application doesn't get filtered out by applicant tracking software before a person ever sees it.

The Renter's Deposit Protection Kit

Move-in and move-out checklists, a photo evidence log, timestamped email scripts, and three ready-to-send demand letters — so getting your deposit back doesn't come down to your word against your landlord's.

Rent vs. Buy Decision Kit (Excel Template)

Full cost-of-ownership vs. cost-of-renting model with your breakeven year and a weighted decision matrix for the factors the math can't measure — the deeper follow-through to the free Rent vs. Buy Calculator.

The Awkward Client Conversations Playbook

Word-for-word scripts for the 12 client conversations freelancers dread most — late payments, scope creep, raising your rate, firing a client — so you're not improvising in the moment.

Brand Deal Rate Calculator & Deal Tracker

Turn your platform, followers, and engagement into a defensible Low/Mid/High rate for brand deals, plus a tracker for every pitch and offer — for creators tired of guessing what to charge.

The Job Loss Action Plan

A 72-hour action checklist, an expense-cutting priority list, word-for-word scripts for the calls you dread, and a runway-based timeline — so a layoff doesn't turn into a spiral because you didn't know what to do first.

All ten are one-time purchases on Gumroad — no subscription, download and keep.

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