Ready-made Excel reports

Seven files built on formulas: put your own figures in and they recalculate. Free, no sign-up.

Formulas, not figuresA cell holds the calculation, not a finished number: change an amount or a rate and the whole file follows.
No macros, no protectionA plain .xlsx. Every formula can be read and reworked to suit you.
Free for everyoneNo sign-up and no email. The file is yours to keep and works without the site.

Personal finance

Loans, the household budget, savings and debts.

Loan repayment schedule

Sheets: 3

A month-by-month schedule for up to 30 years: payment, interest, principal and balance. A prepayment goes on the row of any month, and you choose what it shortens — the term or the payment. It follows the same rules as the site's mortgage calculator and matches it to the kopeck.

What is inside

Schedule: The loan terms, the totals and a schedule of up to 360 months. A “Paid” mark shows the debt left after the payments made.
No prepayments: The same loan with no prepayments: the difference from the schedule is the interest saved.
By year: Interest, principal and balance by calendar year. Interest per year is the figure a mortgage-interest deduction is claimed on.

Formulas

ROUND at every step, the way a bank computes; EDATE for payment dates; SUMIFS for the totals by year.

Yearly finance tracker

Sheets: 6

One table of transactions, and everything else is computed from it. Categories and accounts are your own. A transfer between accounts is its own kind of transaction, so money moved to savings is not counted as spending. Holds 400 transactions a year.

What is inside

Settings: The year tracked, your income and expense categories, accounts and their balances at year start.
Transactions: Date, type, category, account and amount. Categories and accounts are picked from lists.
Months: Income and expenses by category for every month, the year total, the average, the share, savings and the savings rate.
Budget: Limits per category against the actuals of a chosen month. An overrun is highlighted.
Accounts: The balance of each account: year start, income, expenses and transfers.
Goals: How much is left to save and how much to set aside each month to get there in time.

Formulas

SUMIFS by type, category and month; INDEX to pick a month; drop-down lists fed from the settings sheet.

Savings plan

Sheets: 2

Computes the monthly amount that reaches the target on time with interest counted in — the same formula as the site's savings-goal calculator. From there the file is kept month after month: enter what you actually set aside and see whether you are ahead of the plan or behind it.

What is inside

Plan: Target, term and rate; a month-by-month plan with interest for up to 360 months; actual contributions, the gap to the plan and the months left.
What if: The same calculation for other terms and rates side by side: how the monthly amount moves and how much interest adds.

Formulas

The annuity formula written with a power; NPER for the months left; ROUND, because interest is credited to the kopeck, as a bank does.

Debt register

Sheets: 1

Enter the balance, the rate and the payment of each debt — up to twelve. The file computes what a debt costs a month, how long it has left, what share of your income the payments take, and the order to attack them in: the avalanche (highest rate first) or the snowball (smallest debt first).

What is inside

Debts: The register, the totals, the debt load, the order under both strategies and what spare money would do to each debt.

Formulas

NPER for the months left; COUNTIF for an order with no tied places; INDEX and MATCH for the debt that goes first.

Business and the self-employed

Company money: when it runs short, how the budget is holding, and who is not paying.

Payment calendar

Sheets: 4

Enter the receipts and payments you expect, with their dates. The calendar walks six weeks day by day from the opening balance and shows when the money runs short and how much to raise to stay above your reserve. The register holds 250 rows.

What is inside

Calendar: The opening and closing balance of each day, receipts, payments and a signal: a cash gap, or a balance below the reserve.
Register: Date, kind, item, counterparty, amount and status: planned or paid.
By item: Receipts and payments per item over the period, the share and how much is already settled.
By week: The same six weeks, seven days at a time.

Formulas

SUMIFS by date and kind; MIN, INDEX and MATCH for the day of the lowest balance; highlighting for days in a cash gap.

Budget: plan against actual

Sheets: 4

A plan by item for the year, and actuals as each month closes. For a chosen month you see the deviation for the month and year to date, the share of plan achieved and a year forecast: the actuals so far plus the plan for the months left. An item is flagged only past a tolerance you set yourself.

What is inside

Analysis: Plan, actual, deviation and achievement per item; an “overrun” or “shortfall” status that respects the tolerance.
Plan: Income and expense items with their planned amounts by month.
Actual: Actual amounts for the same items. The months ahead stay empty.
Trend: Plan and actual by month, the result and the cumulative result.

Formulas

INDEX for the chosen month; SUMIF on the month number for year-to-date totals and the forecast.

Receivables control

Sheets: 3

A register of issued invoices from which everything else follows: each invoice's balance, its days overdue as of a reporting date, its ageing bucket and the contractual penalty. The summary adds the debt up by bucket; the customers sheet sets each customer's debt against their limit. The register holds 200 invoices.

What is inside

Summary: The whole debt, the overdue part and its share, the penalty accrued and the ageing: up to 30, 60, 90 days and beyond.
Invoices: Customer, invoice, due date, paid, balance, days overdue, bucket and penalty.
Customers: Each customer's debt and overdue part, the share of the total and the amount over the limit.

Formulas

SUMIFS and COUNTIFS by bucket and customer; nested IF for the ageing bucket; MAX for the days overdue.

How to use them

Download the file and open it in Excel or LibreOffice Calc — or upload it to Google Sheets.
Replace what is in the yellow cells with your own. The sample data shows how the file works; delete it freely.
Leave the other cells alone — they hold formulas. Deleted one by accident? Download the file again.

Questions

Do the file's figures match the site's calculators?: The loan repayment schedule and the monthly amount in the savings plan follow the same rules as the site's calculators and are checked against them automatically, to the last kopeck. That is why every amount in a file is rounded explicitly with ROUND: Excel stores numbers in binary, and without rounding a kopeck drifts sooner or later. Once you change the formulas, the match is no longer guaranteed.
What do I open them with?: The files use only functions that exist in Excel 2010 and later, in LibreOffice Calc and in Google Sheets — no dynamic arrays and no macros. The drop-down lists and highlighting are built for Excel; other programs may show them more plainly, which changes nothing in the figures.
May I change a file and use it at work?: Yes. The files are free: rework them to suit you and use them for personal and business calculations. No sheet is protected.
Why does the file already have data in it?: It is an example: it shows what each sheet computes before you have typed anything. Clear the yellow cells and enter your own figures.
Is this financial advice?: No. A file computes only what you put into it and knows nothing of your contract's terms. Check the figures against the bank's or the counterparty's documents before you decide.