Free Tools
Just practical tools from the authors of How to Die Broke. Free, forever, no strings.
Budgeting
Print-ready budget worksheet. Income, fixed costs, variable spending, and what's left to invest. Fill it in by hand or on screen.
Download PDF →The same budget tracker in Excel format. Formulas built in. Enter your numbers, the math is done. Works in Excel and Google Sheets.
Download .xlsx →Planning
13 weeks. One mission per week: Assess → Cut → Build → Protect → Sustain. Built for people who've tried budgeting before and stopped. Progress tracker built in.
Download .xlsx →Assets minus liabilities across 6 months. Auto-calculates net worth and month-over-month change. The number most people avoid knowing — until they look.
Download .xlsx →Investing
Enter your monthly amount, expected return, and time horizon. See exactly what consistency builds.
// for illustration only. not financial advice. actual returns vary.