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Free Tools &
Downloads.

Every spreadsheet and guide on this page is completely free. Download what you need and use it for life — no strings attached, ever.

7
Spreadsheets
6
PDF Guides
Free
Always
∞
Downloads
⚡

The WealthPulse Family Budget Planner

Our flagship tool — a complete 5-sheet Excel workbook covering your entire financial life. Dashboard, income, expenses, savings goals, and net worth.

Download Free — FamilyBudgetPlanner.xlsx
✓ 5 Sheets ✓ Live Dashboard ✓ 8 Lifestyle Profiles ✓ Savings Goal Tracker ✓ Net Worth Calculator ✓ Excel + Google Sheets

📊 Budget & Finance Spreadsheets

7 Tools

Professional-grade Excel workbooks for every financial situation. All pre-built with formulas — just fill in your numbers and they work immediately.

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Family Budget Planner
The complete WealthPulse flagship — dashboard, income tracker, expense tracker, savings goals, and net worth in one workbook.
5 sheets8 profilesAll levels
⬇ Download Free
⚔️
Debt Payoff Tracker
Enter all your debts, choose Avalanche or Snowball, and watch a live payoff timeline auto-calculate with total interest saved.
Avalanche + SnowballInterest calculator
⬇ Download Free
📈
Net Worth Tracker
Monthly snapshot tool to track assets vs. liabilities over time, with a chart showing your net worth growth trajectory.
Monthly trackingAuto charts
⬇ Download Free
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Baby & New Family Budget
Built for expecting and new parents. Pre-loaded with childcare, diapers, medical, and baby gear categories built right in.
New parentsBaby costs
⬇ Download Free
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College Savings Planner
529 contribution calculator with goal tracking by child. Enter age and college target — get your required monthly savings with interest.
529 planningMulti-child
⬇ Download Free
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Freelancer & Side Hustle Budget
Built for variable income earners. Tracks income fluctuations, estimated quarterly taxes, business expenses, and profit/loss.
Self-employedQuarterly taxes
⬇ Download Free
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Retirement Readiness Calculator
Enter your age, savings, contributions, and target retirement age. Automatically calculates if you're on track and what to adjust.
4% RuleGap analysis
⬇ Download Free

📄 PDF Guides & Playbooks

6 Guides

Step-by-step financial guides written in plain English — no jargon, no fluff. Print them, save them, share them with your family.

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30-Day Financial Reset Playbook
A day-by-day action plan for anyone starting from scratch or rebuilding after a setback. Thirty specific, doable daily actions that build lasting habits.
Day-by-day action calendar
Weekly reflection prompts
Spending audit worksheet
Goal-setting framework
📄 Download Free
🚀
The SmartMoney Starter Kit
The complete beginner's guide. Emergency funds, 401k basics, Roth IRA explained, and budgeting foundations — all in plain English, zero assumed knowledge.
Emergency fund blueprint
401k & IRA explained simply
Budget setup walkthrough
Priority action checklist
📄 Download Free
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First-Time Home Buyer Checklist
From credit score to closing day — everything a first-time buyer needs to know, in the right order. Covers pre-approval, what to look for, and hidden costs most buyers miss.
Step-by-step buying timeline
Hidden cost breakdown
Mortgage comparison worksheet
Pre-approval checklist
📄 Download Free
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Military Family Finance Guide
Specific to service members and their families. BAH, VA loan benefits, TSP strategy, deployment savings plans, and maximizing military-specific financial advantages.
BAH & BAS optimization
VA loan walkthrough
TSP contribution strategy
Deployment savings plan
📄 Download Free
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Debt Destruction Playbook
A complete guide to getting out of debt — credit cards, student loans, car loans, and mortgages. Includes Avalanche vs Snowball comparison with real numbers.
Avalanche vs Snowball guide
Negotiation call scripts
Balance transfer strategy
Debt tracking worksheet
📄 Download Free
👨‍👩‍👧
Teaching Kids About Money
A parent's guide to raising financially smart kids. Activities, conversations, and habits for ages 5–18 — building the foundation most adults wish they had.
Age-by-age activity guide
Allowance system templates
Money conversation starters
Teen money checklist
📄 Download Free
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Guides are being written now. SmartMoney is personally writing each guide to ensure quality. Your support helps get these published sooner.