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Budget Template 2026: The Problem-First Budget Spreadsheet
A budget template that starts with your financial goals, not just your expenses. Free 2026 budget spreadsheet for Excel.
Category
Personal Finance
Budgeting, debt repayment, investment tracking, retirement planning, and tax tools for real financial decisions.
16 tools and guides
Budgeting
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Featured
The 2026 Financial Stress Test Spreadsheet: Can Your Finances Handle a Shock?
Test your finances against real scenarios: job loss, rate spike, medical emergency, market crash. See how long your money lasts under stress.
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Emergency Fund Calculator: How Much Do You Really Need?
The generic '3–6 months of expenses' advice doesn't work for everyone. This calculator sizes your emergency fund based on your actual risk factors.
Debt Repayment
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Debt Snowball vs Avalanche Calculator: Which Strategy Saves You More?
Compare debt snowball and avalanche strategies with your real numbers. See which method gets you debt-free faster and saves you more in interest.
comparison
Featured
Debt Consolidation Calculator: Is Consolidation Actually Worth It?
Is debt consolidation actually worth it? This calculator compares consolidation loans against your current payoff strategy with real numbers.
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Featured
The Complete Guide to Getting Out of Debt: Strategies, Tools, and Calculators
A practical guide to getting out of debt in 2026. Compare strategies, use our free calculators, and build a payoff plan that works.
comparison
Featured
Credit Card Payoff Calculator with Balance Transfer Analysis
Calculate your credit card payoff timeline and see if a balance transfer actually saves you money after fees. Model multiple scenarios with real numbers.
Investment Tracking
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Dividend Portfolio Tracker Spreadsheet
Track your dividend income across all holdings. Monitor yield, growth, and projected annual income with this free portfolio tracker.
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Investment Portfolio Allocation Spreadsheet: Build and Rebalance Your Portfolio
Set your target allocation, track actual holdings, and see exactly what to buy or sell to rebalance. Free portfolio allocation spreadsheet.
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Net Worth Tracker Spreadsheet: Track Your Financial Progress
Track your net worth over time with this free spreadsheet. Record assets, liabilities, and watch your financial progress month by month.
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College Savings 529 Plan Calculator: How Much Should You Save?
How much do you need to save for college? This 529 plan calculator projects costs, models savings scenarios, and shows the tax benefits.
Retirement Planning
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Retirement Savings Tracker & FIRE Planner Spreadsheet
Track your retirement savings and FIRE progress. Project when you can retire based on savings rate, investment returns, and withdrawal strategy.
comparison
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Roth IRA Conversion Calculator: When Converting Makes Sense
Should you convert to a Roth IRA? This calculator models the tax impact, break-even point, and long-term benefit based on your actual tax situation.
Tax Planning
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Freelancer Tax & Income Tracker Spreadsheet 2026
Track freelance income, expenses, and quarterly tax obligations in one spreadsheet. Designed for 1099 contractors and self-employed professionals.
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Tax Estimator Spreadsheet 2026: Quarterly & Annual Tax Calculator
Estimate your 2026 taxes with this free spreadsheet. Covers income tax, self-employment tax, and quarterly estimated payments. Updated for 2026 brackets.
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Capital Gains Tax Calculator Spreadsheet 2026
Calculate your capital gains tax before selling investments. Model short-term vs long-term gains, tax-loss harvesting, and net tax liability for 2026.