Free Resources

Tools to help you understand
your finances

Free templates, trackers, and tools built for real people — no accountant required.

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⭐ New — PayTrack Budget App
💜 Premium — $15
PayTrack — Smart Budget App
A full budget tracking app that lives on your iPhone home screen — no App Store, no subscription, no account. Built for biweekly paychecks, variable spending, and goals that make sense for real life.
  • 3 budget plan presets (50/30/20, Dave Ramsey, Relaxed) + fully Custom
  • 9 spending categories with live progress bars and goal tracking
  • Line of credit tracker — logs draws, fees, and net amount
  • Cash flow schedule, savings log, and editable income settings
  • Auto-saves to your phone — export backup anytime
  • Works on iPhone, Android, and desktop
$15 one-time
Instant download · No subscription · Yours forever
Learn more & buy → Also on Etsy for $12 →
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Free downloads

✓ Free
Cash Flow Tracker
Finally see where your money is actually going — not just what's on paper. This Excel tracker gives you a clear monthly picture of every dollar coming in and going out.
  • Tracks income by category (sales, services, consulting, and more)
  • Tracks expenses across 13 categories
  • Auto-calculates net cash flow and running balance
  • Color-coded dashboard — green means healthy, red means attention needed
  • Works in Excel — no software subscription required

Download Free

No spam, ever. Just the file and occasional bookkeeping tips you can actually use.

🎉 You're all set!

Click below to download your Cash Flow Tracker.
Download Now ↓

✓ Free
Break-Even Calculator
Know exactly how much revenue you need to cover all your costs — and how close (or far) you are from profit every month.
  • Enter your fixed costs line by line (rent, salaries, insurance, software)
  • Enter variable cost per unit and selling price
  • Auto-calculates break-even units and break-even revenue
  • Shows margin of safety based on your actual sales
  • Price scenario table — see how changing your price affects break-even

Download Free

No spam, ever. Just the file and occasional bookkeeping tips.

🎉 You're all set!

Click below to download your Break-Even Calculator.
Download Now ↓

Coming soon

📋
Monthly Budget Template
Plan your income and expenses before the month starts — not after.
📝
Tax Prep Checklist
Everything you need to hand your CPA so you stop overpaying and scrambling.
📬
Invoice Tracker
Track who owes you, how much, and how overdue — all in one place.
🧮
Payroll Cost Calculator
Understand the true cost of hiring before you make your first offer.
🚀
New Business Setup Checklist
The financial systems every new business needs from day one.

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New templates added regularly. Drop your email and you'll be the first to know — plus get tips on reading your numbers without an accounting degree.