CSV · editable
Paycheck Split Planner
Record settled income, keep a sustainable share first, protect commitments and assign the remainder.
Free starter templates
Practical worksheets before another subscription.
Download open CSV files, inspect every formula or assumption and keep your data wherever you choose. No email gate.
CSV · editable
70/20/10 Debt Recovery Workbook
Compare the historical recovery scenario with real minimums, rates and creditor priorities.
CSV · editable
Conscious Spending Plan
Plan essentials, future goals and flexible choices without tracking every coffee.
CSV · editable
Honest Net Worth Snapshot
Track included assets and debts on one consistent date with valuation notes.
Clear license and limits
Use, adapt and keep your own copy.
These free starter files are for personal use and evaluation. They contain fictional examples and educational planning structures, not personalized financial, tax, credit, legal or investment advice.
Future Etsy editions can add designed spreadsheet formats, printable PDFs, guided video setup and localized bundles. Any paid listing must clearly distinguish included file types, software requirements, update policy and personal/commercial-use license.
Prefer an interactive workspace?
The free local Tenthwise app adds validation, professional charts, drag-and-drop cards, debt comparisons and private exports without requiring a bank connection.
Open the free appExplore fictional data