Plan needs, wants, and savings
Monthly Budget Worksheet
Plan and track a month of income and spending with the 50/30/20 method. Rename any category to fit your life, and the totals update as you go.
Resources
Free tools you can actually use.
Practical, downloadable templates for the money decisions students meet first. Take the PDF to print and write on, or the spreadsheet to fill in and let the math run.
How to use these
Every file here is real, free, and made by students. The spreadsheets have working formulas, so your totals add up as you type. The PDFs are built to print or fill in on screen. They are learning tools to help you build the habit, not financial advice.
Budgeting2 files
Saving2 files
Track progress to one goal
Savings Goal Tracker
Set one clear goal, log each contribution, and watch the balance climb. It shows how close you are and how long the goal will take.
Size and build a safety net
Emergency Fund Planner
Add up your essential bills, pick how many months to cover, and track your progress toward a cushion that covers a rough patch.
Debt1 file
Banking2 files
Work through it once
First Paycheck Checklist
A one-time checklist for your first job. Read your pay stub, set up the right accounts, and start a few habits that pay off for years.
Compare accounts on real costs
Bank Account Comparison
Put up to three accounts side by side on fees, minimums, and interest. The sheet estimates a first-year cost or benefit for each one.
College1 file
Spot a number that looks off, or want a template we do not have yet? Tell us on the contact page. Everything here stays free to use and share.