Free Guides, Templates & Official Resources

Downloadable templates, guides, and official resources, all without logins or emails to sign up for. Looking for a calculator or a Premium tool? Those live on Calculators and Premium.

Free downloadable templates

Spreadsheets you can open in Excel or Google Sheets. No email required.

Monthly Budget Template

50/30/20 budget you can open in Excel or Google Sheets.

Paycheck Budget Allocator

Split every paycheck into needs, wants, and savings.

Expense Tracker

Log spending by category and see your monthly total.

Debt Payoff Tracker

Track balances, APRs, and your payoff plan.

Debt Snowball vs. Avalanche

Compare both payoff strategies side by side.

Savings Goal Planner

Map out contributions to hit any savings target.

Emergency Fund Tracker

Size your safety net and log your progress.

Sinking Funds Planner

Save monthly for known future expenses.

Net Worth Worksheet

List assets & liabilities to find your net worth.

Retirement Planner

Project your retirement savings by decade.

Investment Portfolio Tracker

Track holdings, cost basis, and returns.

Monthly Cash Flow Statement

See exactly where your money goes each month.

Financial Goals Tracker

Track progress toward every money goal.

Annual Financial Review

A once-a-year checkup on your whole picture.

Beginner guides

How to Build an Emergency Fund The 50/30/20 Budget Rule Index Fund Investing for Beginners How to Start Investing With $100 Roth IRA vs Traditional IRA How to Improve Your Credit Score

Trusted external resources

Free resources from government agencies and official sources. Links open in a new tab.

Government & Official

Consumer Financial Protection Bureau (CFPB)

Free, unbiased guides on loans, mortgages, and your consumer rights.

Investor.gov (SEC)

The SEC's free education site, including an official compound interest calculator.

MyMoney.gov

The U.S. government's hub for financial education resources.

IRS.gov

Official tax information, forms, and free filing options.

Credit & Reports

AnnualCreditReport.com

The only federally authorized source for your free credit reports.

CFPB, Credit & Scores

How credit scores work and how to fix errors on your report.

USA.gov, Credit Reports & Scores

Official guidance on requesting reports and scores, credit freezes, and fixing errors.

Retirement & Benefits

SSA.gov (Social Security)

Check your estimated Social Security benefits and retirement age.

IRS, Retirement Plans

Contribution limits and rules for 401(k)s, IRAs, and Roth accounts.

Medicare.gov

Official Medicare enrollment, coverage, and cost information.

Investing & Markets

Investor.gov, Tools & Calculators

SEC's free investing calculators and savings tools.

FINRA BrokerCheck

Check the background of brokers and investment firms for free.

EDGAR (SEC Filings)

Read any public company's official financial filings.

Bogleheads Wiki

Community-run guide to low-cost, long-term index investing.

Taxes

IRS Free File

File your federal taxes online for free if you qualify.

IRS Tax Withholding Estimator

Make sure the right amount is withheld from your paycheck.

Banking & Saving

FDIC BankFind

Confirm a bank is FDIC-insured before you deposit.

NCUA Credit Union Locator

Find federally insured credit unions near you.

TreasuryDirect

Buy I bonds and Treasury securities directly from the U.S. government.

Education & Student Loans

Federal Student Aid (FAFSA)

Apply for financial aid and manage federal student loans.

CFPB, Paying for College

Compare college costs and student loan options.

Where People Actually Invest & Compare Rates

Charles Schwab

Full-service brokerage with no account minimums on many accounts.

Fidelity

Brokerage and retirement accounts, including zero-fee index funds.

Vanguard

The original low-cost index fund company, still one of the cheapest.

Robinhood

Commission-free trading app, popular with first-time investors.

Bankrate

Compare savings account, CD, and mortgage rates across banks.