Home and Money Toolkit

The six tools look and work the same, and each Dashboard has a Share box with numbers that use the exact same label in the other files. The maintenance reserve, your debt payments and your housing costs flow into one budget.

You can see every tab before you buy. Start with how budget vs actual works, then work through the rest.

What's in the Home and Money Toolkit

Home Budget and Bill PlannerPlan income and budgets once, log what you spend, and see which bills are due this month.$14 on its own

True Cost of Homeownership CalculatorSee what a home really costs each month and each year, check affordability, and compare renting with buying.$14 on its own

Mortgage Payoff and Home Equity PlannerSee your payoff date with and without extra payments, the interest you save, and how your equity grows.$14 on its own

Home Maintenance and Replacement PlannerKnow what upkeep is due, which big items need replacing soon, and how much to set aside each month.$19 on its own

Home Project and Renovation BudgetKeep every home project on budget, compare contractor quotes, and see which payments are coming up.$14 on its own

Debt Payoff and Savings Goal PlannerSee when you'll be debt free, compare payoff methods, and keep savings goals on track.$14 on its own

Who it's for

Households who want the whole picture at once: the monthly budget, the home, the mortgage, upkeep, projects and debt.

What you get

All six tools, each with two spreadsheet files (.xlsx): one filled with examples so you can see exactly how it works, and a blank copy ready for your household. For Microsoft Excel and Google Sheets. No macros, no subscription.

The formulas are locked, so a stray keystroke can't break them. You only type in the yellow cells.

What you need to use it

• Microsoft Excel 2010 or newer, on Windows or Mac, including Microsoft 365
• Or Google Sheets in any web browser, free with a Google account
• A laptop or desktop works best for setup. Phones and tablets are fine for checking numbers and quick entries.
• No macros, add-ins or internet connection needed once it's downloaded. Apple Numbers isn't supported.

Every result is an estimate, not financial advice. Rates, prices and lender rules vary, so check big decisions with your lender or a financial professional.

Questions