Spreadsheets that make your money make sense.
Simple, ready-to-use finance templates for freelancers, small businesses, and households. Works in Excel and Google Sheets. No subscriptions, no clutter.
Templates
Monthly Budget
Plan every dollar for the month and see what is left at a glance.
$12
View templateFreelancer Income and Expense Tracker
Log invoices and expenses, see profit by month, and stay ready for tax time.
$17
View templateQuarterly Estimated Tax Tracker
Track 2026 estimated payments against due dates so nothing sneaks up on you.
$17
View templateDebt Payoff Planner
Compare snowball and avalanche plans and see your debt-free date.
$17
View templateSavings Goals Tracker
Set goals, track deposits, and see the monthly amount needed to hit each one.
$12
View templateNet Worth Tracker
Add up assets and debts monthly and watch your net worth grow.
$12
View templateComplete Finance Bundle
All 6 templates in one download. Save $38 versus buying separately.
$49
View templateFree 2026 tax calculators
Self-employment tax calculator
Estimate 2026 Social Security and Medicare tax on your freelance or side income, including the half you can deduct.
Open calculatorQuarterly estimated tax calculator
Split your expected 2026 tax into payments due April 15, June 15, September 15, and January 15.
Open calculatorWhy Cells and Cents
Formulas done for you
Type in your numbers. Totals, charts, and summaries update on their own.
Excel and Google Sheets
Every file is a standard .xlsx that opens anywhere.
Buy once, keep forever
No account and no monthly fee. Download and it is yours.
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