Free Spreadsheets and Word Documents

Below are links to the various spreadsheets and word documents that I have created over the last few years. I will continue to add resources as they become available. Feel free to use them as you want. I appreciate any feedback you might have so if you have any comments or ways to improve them please let me know.

***All Spreadsheets are in Google Docs format.  To save to Microsoft Excel, in the document select-File-Download Original  and you will be able to save the file in Excel. ***


Reverse Budgeting form– This spreadsheet is inspired by Josh Gordon of the You can read Josh’s post on reverse budgeting but reverse budgeting is a take on traditional budgeting. But instead of taking how much you make then working from there, you start by figuring out what you want to do financially in the month and then you figure out how much you need to earn to make those things come true.

Monthly Budget Form-Having trouble setting up a monthly budget? This form will help get you started. Simply enter your monthly take home pay along with your monthly total for each item. Then track your progress throughout the month and see how you are doing!

Irregular Income Budget-Struggling to Budget due to having an irregular income? The Irregular Income sheet helps by prioritizing your expenses each month and determining what things you can buy and what things you can not buy.

Distributed budget spreadsheet-Get paid every other week or weekly? Use the Distributed Budget spreadsheet to help budget your month regardless of how many times you get paid a month.

Recommended Budget Percentages-Think your spend too much on a certain category? The Recommended budget percentage sheet helps serves as a guide as to how much you should be spending on a particular category. Include your monthly income as well as your budget amount and see if where you are over and under. Remember this is only a guide, as percentages will fluctuate depending on income and debt levels.


Debt Snowball-Want to know how long it will take to pay off your debt? The debt Snowball will help you calculate! Simply list your debts smallest to largest along with the minimum payment, interest rate, and any additional money added to the snowball. The amount of months it will take to pay off each debt will be listed!

Debt Settlement-Dealing with debt collectors can often be quite difficult.  The Debt Settlement worksheet helps you determine an amount to offer creditors when trying to settle an outstanding debt.  Please see an article I wrote for tips on dealing with harassing debt collectors.


10 things to look for in a Mutual Fund (Word Document)-These are the first 10 things I look for in a mutual fund that I am thinking of investing in. Meant to be used as a guide at looking at potential mutual funds.


Amortization Schedules-Creates a basic mortgage amortization as well as “what if” scenarios if extra payments are made during the course of the loan. Is great for determining how much making that extra mortgage payment will shave off of your mortgage length.

Refinance Breakeven-Determines what your breakeven point is on a refinance and shows you how much you will save over the length of the mortgage. Takes into account “what if” scenarios like the amortization schedule spreadsheet by allowing you to input extra principle payments.

Net Worth

Net Worth Spreadsheet-A simple spreadsheet that calculates your net worth, just enter your assets and liabilities. Creates a graph where you can track your progress and see how you are doing from month to month, quarter to quarter, or year to year.


Setting Goals Worksheet– Tired of saying you are going to do something with your money but then not following through.  Well the Setting Goals worksheet will help you set and stay true to your financial goals.  Write in your financial goals for 6 months, 1 year, 2 years, 3 years, and 5 years.  Calculate how much those goals will cost as well as how you will pay for them.  This will help you plan ahead of time and when you do get a sum of money you will have an order of what to buy.

Savings Goal-Have an amount you want to save? Well than the savings goal calculator is perfect for you. Simply enter the amount you want to save, the amount you have saved, the amount you are putting in savings each month, and the interest rate and the spreadsheet will calculate how many months it will take to reach your goal!

Monthly Savings-Want to know how much money you are putting away into savings each month will be worth in a certain amount of years? Use the monthly savings spreadsheet! This is good for either short-term savings (like a vacation) or for long-term savings (such as retirement). All you need is the monthly amount put into savings, the interest rate, and a period of time.

Amount to save Goal-Have an amount you want to save by a specific date? This spreadsheet will tell you how much you will need to save each month to reach your goal! Just enter you savings goal, length of time needed to save, and the interest rate.

One Response to Free Spreadsheets and Word Documents

  1. Pingback: JW’s Financial Coaching Podcast Lesson #128-How Fear inhibits our ability to win with money | JW's Financial Coaching-Giving you a new perspective on your money!

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