Home and Money Spreadsheets

Budget the month, see what your home really costs, pay off the mortgage and debts sooner, keep up with repairs and plan big projects. Our home and money spreadsheets work in Excel or Google Sheets.

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Home and Money Toolkit
Your weekToolPrice
1Plan the monthBudget & Bill Planner$14 2Debt Payoff & Savings Goals$14 3Own the homeTrue Cost of Homeownership$14 4Mortgage Payoff & Equity$14 5Look after itMaintenance & Replacement$19 6Project & Renovation Budget$14
Toolkit$89$49
  • Excel + Google SheetsWorks in both, no macros
  • Instant downloadStart using it in minutes
  • Free Lifetime UpdatesEvery new version, free
  • Locked formulasExample and blank copies
Home and Money Spreadsheets: Home and Money Toolkit spreadsheet for Excel and Google Sheets. All six home and money tools in one download, with Share boxes that pass numbers between them.
Best value · Save 45%

Home and Money Toolkit

Budget, home costs, mortgage, upkeep, projects and debt. The Home and Money Toolkit gives your household all six spreadsheets, with Share boxes that pass numbers between them.

  • Home Budget and Bill Planner
  • True Cost of Homeownership Calculator
  • Mortgage Payoff and Home Equity Planner
  • Home Maintenance and Replacement Planner
  • Home Project and Renovation Budget
  • Debt Payoff and Savings Goal Planner
$49$89 separately
See the toolkit

Pick the home and money spreadsheets you need

Organized by the questions households ask most. Every tool works on its own. See all tools →

1

Plan the month

Where the money goes, which bills are due, and when you'll be debt free.

Home Budget and Bill Planner spreadsheet for Excel and Google Sheets. The Dashboard for September with income, spending, savings rate, top categories and bills due in the next 14 days.
Updated Oct 5, 2026

Home Budget and Bill Planner

Plan income and budgets once, log what you spend, and see which bills are due this month.

$14View tool →
Debt Payoff and Savings Goal Planner spreadsheet for Excel and Google Sheets. Debt-free date, payoff methods compared, and emergency fund and savings goal progress.
Updated Oct 5, 2026

Debt Payoff and Savings Goal Planner

See when you'll be debt free, compare payoff methods, and keep savings goals on track.

$14View tool →
2

Own the home

What the home really costs, and what extra mortgage payments save.

True Cost of Homeownership Calculator spreadsheet for Excel and Google Sheets. The full monthly cost of a home, the affordability check and the rent vs buy breakeven year.
Updated Oct 5, 2026

True Cost of Homeownership Calculator

See what a home really costs each month and each year, check affordability, and compare renting with buying.

$14View tool →
Mortgage Payoff and Home Equity Planner spreadsheet for Excel and Google Sheets. Payoff date with and without extra payments, interest saved, equity now and the What If table.
Updated Oct 5, 2026

Mortgage Payoff and Home Equity Planner

See your payoff date with and without extra payments, the interest you save, and how your equity grows.

$14View tool →
3

Look after it

Upkeep on a schedule, money set aside for big replacements, and projects that stay on budget.

Home Maintenance and Replacement Planner spreadsheet for Excel and Google Sheets. Tasks overdue and due this month, big replacements coming up and the recommended monthly home reserve.
Updated Oct 5, 2026

Home Maintenance and Replacement Planner

Know what upkeep is due, which big items need replacing soon, and how much to set aside each month.

$19View tool →
Home Project and Renovation Budget spreadsheet for Excel and Google Sheets. Each project's budget, spending and status, plus the payments coming up in the next 30 days.
Updated Oct 5, 2026

Home Project and Renovation Budget

Keep every home project on budget, compare contractor quotes, and see which payments are coming up.

$14View tool →

How the six tools work together

Every Dashboard has a box called "Share with other EasyWorkTools Home tools." It lists the numbers that file gives and the ones it can use. The label is exactly the same in both files, so you copy a number from one into the other in a few seconds. The files aren't linked, so each one also works on its own.

Share box numberComes fromGoes toWhat it does there
Recommended monthly home reserveHome Maintenance and Replacement PlannerHome Budget and Bill Planner
True Cost of Homeownership CalculatorSets the Home reserve budget, and can replace the 1% maintenance rule in the True Cost calculator.
Total monthly debt paymentsDebt Payoff and Savings Goal PlannerHome Budget and Bill PlannerSets the Debt payments budget.
Monthly housing costs for the budgetTrue Cost of Homeownership CalculatorHome Budget and Bill PlannerOptional. Compared with the housing costs already in your budget.
Monthly principal and interestMortgage Payoff and Home Equity PlannerHome Budget and Bill PlannerGoes in the Mortgage or rent line on Setup.
Monthly essential expensesHome Budget and Bill PlannerDebt Payoff and Savings Goal PlannerSets your emergency fund target.
Upcoming major expenses (next 5 years)Home Maintenance and Replacement PlannerDebt Payoff and Savings Goal Planner
Home Project and Renovation BudgetBecomes a savings goal, and helps you decide which projects to plan.
Planned project spending this yearHome Project and Renovation BudgetDebt Payoff and Savings Goal PlannerBecomes a savings goal.
Current mortgage balance and Home equityMortgage Payoff and Home Equity PlannerYour recordsFor your records.

Estimates, not financial advice. Every number these tools give is an estimate based on what you type in. Rates, prices and lender rules vary, so check big decisions with your lender or a financial professional. Each purchase is licensed to one household.

Built for home and money. Not everybody.

Generic templates miss the details that decide whether your plan holds up.

Big bills you can see coming

A roof, a furnace, a water heater. The maintenance planner estimates when each one is due and what to set aside every month.

More than the mortgage payment

Taxes, insurance, PMI, HOA, utilities and upkeep, so the monthly number you plan around is the real one.

Tools that pass numbers along

Every Dashboard has a Share box. Copy a number from one file into the same label in another, and the plans line up.