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Our calculators are free forever . These optional downloads go further — plan every debt and dollar in one place, offline, in files you own. Low-cost, instant download, no account needed. New templates are rolling out now.
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All-in-One Personal Finance Workbook
Just want the spreadsheets? All four in one workbook — debts, budget, net worth and savings, on connected tabs. Works in Excel, Google Sheets, LibreOffice & Numbers.
Debt Payoff Planner tab
Monthly & Zero-Based Budget tab
Net Worth Tracker tab
Sinking Funds & Savings tab
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Spreadsheets
Editable working files you own — Excel, Google Sheets, LibreOffice & Numbers.
Spreadsheet · Coming soon
Debt Payoff Planner
List every debt once and see your whole plan — which to pay first, what it costs, and exactly when you'll be free.
Snowball and avalanche order, ranked automatically
Live payoff schedule with payoff date & total interest
Pre-filled example — no formulas to build
◆ Save 27% — get all four in the All-in-One Workbook →
Spreadsheet · Coming soon
Monthly & Zero-Based Budget
Give every dollar a job. A clean monthly budget with zero-based and 50/30/20 views, built from our budget calculator.
Income, fixed, variable & savings in one view
Zero-based and 50/30/20 modes
Auto totals and "left to budget" tracker
◆ Save 27% — get all four in the All-in-One Workbook →
Spreadsheet · Coming soon
Net Worth Tracker
Track assets minus debts month by month and watch the line turn the right way. Built from our net-worth calculator.
Assets & liabilities in one place
Month-by-month history & trend
See progress as you pay down debt
◆ Save 27% — get all four in the All-in-One Workbook →
Spreadsheet · Coming soon
Sinking Funds & Savings Tracker
Plan ahead for the bills that wreck budgets — car repairs, holidays, insurance — with dedicated savings pots.
Multiple sinking funds with target dates
Monthly contribution planner
Emergency-fund progress bar
◆ Save 27% — get all four in the All-in-One Workbook →
Printables
Print at home or fill in on screen — pin them up and tick them off.
Printable pack · Coming soon
Budget Binder & Planner Pack
A full print-at-home money binder — everything you need to run your household finances on paper.
Monthly budget, bill tracker & pay-period planner
Debt & savings trackers
No-spend calendar and more
◆ Best value — get everything in the Complete Toolkit →
Printable · Coming soon
Debt Payoff Visual Trackers
Color-in payoff charts you pin to the fridge — turn every payment into visible, motivating progress.
Debt "thermometer" & grid charts to color
Multiple designs and denominations
Print as many as you need
◆ Best value — get everything in the Complete Toolkit →
Printable pack · Coming soon
Savings Challenge Pack
Make saving a game. The trackers that go viral for a reason — fill a square every time you save.
52-week & 100-envelope challenges
Custom-goal blank tracker
Fun, printable, fridge-ready
◆ Best value — get everything in the Complete Toolkit →
Printable · Coming soon
Bill & Subscription Audit
Find the money you're leaking. List every recurring charge, spot what to cut, and redirect it at your debt.
Every bill & subscription in one sheet
"Keep / cut / negotiate" columns
Monthly & annual savings totals
◆ Best value — get everything in the Complete Toolkit →
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Guides
Short, do-this-next playbooks — no fluff.
PDF guide · Coming soon
30-Day Debt Payoff Kickstart
A step-by-step, 30-day plan to go from overwhelmed to a working payoff system — one small action a day.
Daily 15-minute actions for a month
Which method to pick and why
Scripts to lower rates & bills
◆ Best value — get everything in the Complete Toolkit →
Free · Print or save as PDF
Printable Debt-Free Plan
A one-page worksheet for your goal, target date, debts and monthly plan — with a built-in progress tracker. Free, forever.
One-page, print-at-home layout
Snowball/avalanche strategy picker
24-month progress tracker
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Get every template in one Complete Toolkit
All the spreadsheets, printables and guides above — one download, one price, and it saves you 60% versus buying separately.
$24 · instant download · save 49%
See the Toolkit ↑
Why these, when the calculators are free?
The free calculators are perfect for answering one question in your browser. These downloads are for when you want it all in one place you own — every debt and dollar together, editable offline, saved with your real numbers, and printable to pin on the wall. If that's you, they're the fastest way to turn statements into a plan you'll actually follow.
How delivery works
Every item is a one-time purchase with instant download — no account, no subscription, yours to keep and reuse. Checkout is handled securely by our payment provider. New templates are being added continuously.
Templates and guides are for general informational purposes only and are not financial advice. Results are estimates based on the figures you enter and assume a fixed interest rate. Payment, delivery and refunds are handled by our third-party payment provider. © 2026 Kontio Power, LLC.