A small set of spreadsheets built for the jobs our free calculators start. Every one is a real Excel file you own. The calculators themselves stay free and unlimited — these are just the tools that sit on top of them.
Debt Payoff Planner & Comparison
See what each payoff method really costs you
A workbook that simulates month by month, three ways, and shows the actual difference in interest and time.
- Three independent 360-month simulations in one file
- Snowball, avalanche and your own custom order
- Total interest and total paid compared side by side
$19Not yet on sale
Freelance Rate & Quote Workbook
Work out the rate you actually need to charge
Five tabs that turn your hours, costs and dead time into one minimum rate — plus a quote builder you can send.
- One number: the lowest hourly rate you can accept
- Accounts for unpaid admin, dead time, costs and tax set-aside
- Quote builder with margin, deposit and five ready-made terms
$19Not yet on sale
Before you buy
- Delivery. Each workbook is a downloadable .xlsx file. You get a download link on the order confirmation page straight after payment, and a copy by email.
- Format. Files open in Excel, Google Sheets, LibreOffice and Apple Numbers. Nothing needs installing and nothing needs an internet connection afterwards.
- Refunds. If the file turns out not to be useful to you, email us within 14 days of purchase and we will refund it. No questions, no forms.
- What these files are. Planning tools that produce estimates. They are not quotes, contracts, or professional construction, engineering, financial, tax or legal advice. Prices, rates and regulations change — confirm anything that matters with your supplier or a qualified professional before you rely on it.
- Your calculators stay free. Every calculator on MoneyCalc remains free and unlimited. Buying a workbook does not unlock, remove or change any of them.
- Questions or a bug. Email paomianll@126.com — we answer within three business days.