Business Start Up Costs

This new free business Start Up Costs template can help you estimate and track your expenses as you are starting a new small business. Estimating your startup costs should be a part of all good business plans.

Money Management for Kids

This printable Money Management Worksheet helps parents teach their children the principles of savings and banking via the "Family Bank" approach.

For information about how to use this template, read the article Money Management for Kids - The Family Bank Approach.

Money Manager

I've announced the release of the Vertex42® Money Manager on my new blog.

See the post Introducing the New Vertex42 Money Management Template.

The new Vertex42 Blog will eventually make this one obsolete, but I'll continue to post new templates here for those that may be following this blog.

Yearly Budget Calculator

This new Yearly Budget Calculator is probably the most powerful budget spreadsheet I've created so far. It combines the family budget planner and the monthly budget into a single workbook, with everything on one worksheet to make it easy to customize the categories.

Savings Goal Tracker

If you budget, you may like this new Savings Goal Tracker. It functions as a simple Savings Account Register, but it is designed specifically as a Goal tracker. If you tend to lump multiple savings goals into a single savings account, you mind this very useful.

Credit Card Minimum Payment Calculator

The new Credit Card Payment Calculator lets you see how much it really costs to make minimum payments. Calculate the total interest and time to pay off. Compare to making a fixed monthly payment.

Paycheck Calculator

Use this Paycheck Calculator to estimate the effect of tax withholdings, allowances, 401(k) withholdings, pre-tax deductions, and post-tax deductions on your net take-home pay. It estimates federal tax withholdings using the tables from IRS Publication 15.

Annuity Calculator

This new Annuity Calculator can help you figure out how much you need to have saved for retirement. The Savings Calculator can help you figure out how much you will have saved by making regular contributions for a number of years. Then, the Annuity Calculator can help you figure out how long that savings will last you.

MACRS Depreciation Calculator

This new Depreciation Calculator can be used for basic depreciation calculations including straight-line (SL), sum-of-years' digits (SYOD), and declining balance (DB) methods. It also includes a worksheet for calculating the MACRS depreciation using the approach outlined by the IRS.

Depreciation Schedule

This new Depreciation Schedule template lets you list multiple assets and calculate total yearly depreciation. You can choose from straight-line or declining balance depreciation methods.

College Savings Calculator

This new College Savings Calculator helps you create an educational savings plan for your child. You can specify yearly costs for grades K-12 in additional to college costs. The monthly deposit amount is calculated based upon the costs, yearly deposits, and other deposits that you specify.

IRR and NPV Calculator

This NPV Calculator will show you how to use the NPV, IRR, XNPV, and XIRR functions in Excel.

Business Budgeting

The new Business Budget template provides two sample business budget spreadsheets for (1) service providers and (2) companies producing and selling goods.

Simple Loan Calculator

This simple Loan Calculator is meant as an educational tool to see examples of how to use various financial functions in Excel, including the PMT, PV, RATE, and NPER functions.

... more financial calculators

Mortgage Payment Calculator

This free Mortgage Payment Calculator is for comparing various fixed-rate mortgages side-by-side. It can be used for both US (monthly compounding) and Canadian (semi-annual compounding) mortgages and also allows you to enter extra monthly payments.

Personal Budget

This Personal Budget Template let's you plan your budget for an entire year. My article How to Make a Budget explains how to use this budget template to keep track of expenses from month-to-month so that you can figure out an average for each expense category.

I use this type of budget spreadsheet because it lets me include annual or semi-annual payments during the specific months that they occur, as well as special times of the year like back-to-school shopping, Christmas, birthdays, etc. It's basically a personal 12-month projected cash flow and is very useful for planning for future large purchases or major events (like moving, marrying, kids, school, etc.)

Net Worth Calculator

This Net Worth Calculator is a spreadsheet template that I created while I was working on creating some other financial statements. It helps you calculate your personal net worth by providing a ready-to-use list of asset and liability categories.

Interest-Only Mortgage Loan Calculator

By request, I created a new loan calculator specifically for fixed-rate interest-only mortgage loans. It is based on my amortization schedule template, but allows you to enter the IO period in years and make extra payments during that time. At the end of the IO period, the loan is amortized using the current balance and number of years remaining.

Financial Statements

I just finished creating 3 new financial statement templates - designed mainly for small business owners.

• Balance Sheet


• Income Statement


• Cash Flow Statement

These should also work in OpenOffice and Google Spreadsheets.

Savings Interest Calculator

I just created a new Savings Calculator that estimates the interest earned in a savings account over time. It lets you include monthly and annual deposits, graphs your balance vs. investment, and creates an amortization table showing the interest earned each year.