free templates
Six free spreadsheets. Zero email walls.
Each one is a real tool, not a teaser — same design system and formula care as our paid sheets, scoped to do one job well. Download, import to Google Sheets or open in Excel, done.
Paycheck Budget One-Pager
Plan one paycheck on one tab — bills, spending, savings, and the left-over number.
Get it free →Savings Goal Tracker
Targets, per-paycheck contributions, and honest progress percentages.
Get it free →50/30/20 Calculator
The classic split, plus a judgment-free target-vs-actual comparison.
Get it free →Why free? Because they're how most people find us — and a good free tool is better advertising than an ad. When you outgrow one, The Payday System is where its bigger sibling lives.