Free Money Starter Pack
A free, no-signup starter kit to take control of your money in an afternoon: build a realistic budget, start an emergency fund and pick a debt-payoff plan.
Download the free pack (ZIP, 0.3 MB)
Free for personal use. No email or account needed.
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What is inside
- Money Reset Guide (4-page PDF): 7 steps — take-home pay, 50/30/20 split, one-month tracking, emergency fund milestones, avalanche vs snowball debt payoff, sinking funds and a monthly check-in, with fill-in tables.
- Personal Budget & Debt Payoff Planner – Lite (Excel / Google Sheets): income, expenses by category and remaining balance, calculated automatically.
- Savings Goals, Sinking Funds & Net Worth Tracker – Lite (Excel / Google Sheets).
- Budget Binder sample pages (printable PDF, US Letter and A4).
How to use it
- Unzip and read the guide (about 10 minutes).
- Open the spreadsheets in Excel, Numbers, or Google Sheets (File → Import).
- Enter one month of real income and spending, then set your 50/30/20 targets.
- Use the calculators below to plan your emergency fund and debt payoff.
Calculators that go with the pack
FAQ
Is it really free?
Yes. The pack is free to download and use for personal budgeting, with no sign-up. Fuller versions of the templates are sold separately in the CalcHub store, but you never need them.
Does it work with Google Sheets?
Yes — upload the .xlsx file to Google Drive and open it with Google Sheets, or use File → Import.
Is this financial advice?
No. It is general educational material. For advice on your situation, speak to a qualified, regulated adviser.
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