Do you need more flexibility than online financial calculators can provide? Are you worried about entering your financial information on the internet? Download our free financial spreadsheets, designed for Microsoft® Excel®,and work with them on your own computer.

Our financial templates are designed with the user in mind. Although intuitive to use, each calculator also contains helpful information within the cell comments, and additional resources and references are provided on the individual download pages.

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Featured Financial Calculators


  • Full-featured mortgage calculator
  • Fixed-rate and adjustable-rate mortgages
  • Amortization schedule
  • Optional extra payments
  • How fast can I get out of debt?
  • Try different debt reduction strategies
  • List up to 20 creditors
  • Flexible payment and compound frequency
  • Optional extra payments
  • Commercial licenses available
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Mortgage and Home Affordability Calculators


Home Mortgage Calculator
Home Mortgage Calculator
The ultimate all-in-one mortgage calculator for Excel. Fixed or variable rate. Optional extra payments.
ARM (Adjustable Rate Mortgage) Calculator
ARM Calculator for Excel
Create an amortization table and graphs for adjustable rate mortgage (ARM) loans.
Home Affordability Calculator
Home Affordability Calculator
Estimate the mortgage that you can afford based on income, debt-to-income ratio, down payment, and housing expenses.

Savings & Retirement Calculators


Retirement Calculator
Retirement Calculator
Estimate how much of your salary to save to reach your retirement goal.
College Savings Calculator
College Savings Calculator
Create a college savings plan for your child. Include costs for K-12 and high-school.
Annuity Calculator
Annuity Calculator
Estimate how long your nest egg will last. Calculate how much you'll need to last you X years.

Budget Calculators


Yearly Budget Calculator
Yearly Budget Calculator
Combines the family budget planner and monthly budget spreadsheets. Helps you look at the big picture.
Home Budget Worksheet
Home Budget Worksheet
Create a simple yearly home budget, with expenses divided into deductible and non-deductible categories.
Money Tracker
Money Tracker
Track your cash, checking, credit, and savings in Excel on your mobile phone.
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Loan Calculators


Auto Loan Calculator
Auto Loan Calculator
How much is that car really going to cost?
Balloon Loan Calculator
Balloon Loan Calculator for Excel
Calculate the payment required to pay off an auto or mortgage loan in one big chunk after a number of regular payments have been made.
Simple Interest Loan Calculator
Simple Interest Loan Calculator
This is a special type of mortgage based on simple interest calculations and daily interest accrual.

Debt Reduction and Credit Tracking


Debt Reduction Calculator
Debt Reduction Calculator
How fast can I get out of debt using the snowball or avalanche technique?
Line of Credit Tracker
Line of Credit Tracker
For small businesses, lenders, or borrowers wanting to track draws, payments, and interest for a general line of credit.
Credit Account Register Template
Credit Account Register Template
Keep track of your credit card transactions, fees and payments with this free account register template.

Business & General Finance Calculators


Break Even Analysis
Break Even Analysis
Analyze a new product or business venture. Calculate the break even point.
Net Worth Calculator
Net Worth Calculator
How close are you to becoming a millionaire? Calculate your net worth to find out.
Rental Property Cash Flow Analysis
Rental Property Cash Flow Analysis
Perform a basic cash flow analysis for a rental property, including capitalization rate and cash on cash return.

Payroll Calculators


Take-Home Pay Calculator
Take-Home Pay Calculator
Calculate your tax withholdings. Estimate the effect of allowances, pre-tax, and post-tax deductions on your net take-home pay.
Time Card Calculator
Time Card Calculator
Enter clock-in and clock-out times and the total breaks in minutes. Calculates total hours worked and overtime automatically.
Vacation Tracking Template
Vacation Tracking Template
Track your vacation, sick leave, and personal leave. Great for both employers and employees.

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