Personal finance pack
The founder's own money: budget, net worth, runway to independence, debt payoff, freelance tax and a time audit.
Every file, and what it does
Open any one to see inside it before you buy
Financial Independence Calculator
Enter income, spending and what you already hold · Years to independence follow the savings rate, not income · Coast point finds when you could stop adding
Debt Payoff Calculator
List each debt with balance, rate and minimum · Set what you can pay in total monthly · Avalanche and Snowball each run the full schedule
Freelance Income & Tax
Set your bands and rates for your country · Log income and expenses; taxable profit computes · Set aside shows what to move on payment day
Net Worth Tracker
List assets and liabilities on Balance sheet · Record the total monthly so a trend exists · Liquidity separates what you can reach this week
Personal Budget Planner
Enter take-home pay and every commitment on Budget · The split against 50/30/20 computes, with what remains · Ten-year cost prices each category as forgone money
Side-Project Revenue Tracker
Log revenue, costs and hours each month on Monthly · Effective rate divides what you kept by hours · Replace the salary works out when, if ever
Time Audit Sheet
Log each block with its work and interruptions · By category shows where time went against expectation · Deep work measures the share that reached uninterrupted attention
Subscription Spend Tracker
List each subscription with its cost and usage · Cost per use makes a small amount judgeable · Renewals lays out the year so nothing arrives unexpectedly
Weekly & Annual Planner
Allocate all 168 hours; it has to add up · Discretionary shows what is genuinely left to decide about · The year removes weeks you will not get
Goal & Habit Tracker
Write each goal with a measure and date · Attach habits, each with a full and minimum version · Tick the twelve-week grid; streaks and rates compute
This is for you if
- You are rebuilding these by hand right now and losing the afternoon to it
- You want the numbers visible so you can check and change them, not a tool that hides its own maths
- You would rather pay once and own the file than rent it
Not for you if
- You want something automated that plugs into your accounts. These are files you fill in.
Before you pay
What exactly do I receive?
10 separate files: 10 Excel. You download each one on its own, not a single zip to unpack.
Do I need to make an account?
No. Pay by card and the account is created for you, with a sign-in link emailed over. The files stay in it for good.
What opens them?
Excel workbooks as .xlsx and Word documents as .docx. They open in Excel and anything that reads those two formats.
Can I trust the numbers?
Every file passes automated checks before it ships: the arithmetic is replayed in a second language and has to match, and every cross-sheet reference is proved to land on a cell that exists. The formulas are visible, not hidden.
What if a file is updated?
You always download the current version. If a file is corrected or improved, the fix reaches you without paying again.
Can I get a refund?
No. Delivery is immediate and complete, so the sale is final, and that is in the terms rather than hidden. Which is why the images above are the real files inside: see what you are getting before you pay.