Bill Payment Tracker Spreadsheet
Every bill in one list, showing what each really costs over a year once its billing cycle is taken into account, plus a twelve-month grid to tick off.
3 tabs · 12 kB Open it
Spreadsheets
Free spreadsheets that actually calculate
29 workbooks for the jobs where the answer has to be worked out rather than written down — what the bills really cost in a year, how long a debt takes to clear, what a vehicle costs per mile, what your contents are worth to an insurer.
No sign-up, no email, no macros. Every file is an ordinary
.xlsx that opens in Excel, LibreOffice, Numbers and Google Sheets. Download it
and it is yours — nothing phones home, and there is nothing inside it but formulas
you can read and change.
What makes these different
- The formulas work. Every workbook has been evaluated and its answers checked against arithmetic worked out by hand. A spreadsheet that quietly sums the wrong range looks perfectly fine, which is exactly why we test them.
- No figures of ours. There is no mileage rate, no interest rate, no service interval and no recommended savings percentage anywhere in these files. Where a number like that is needed there is a cream cell for yours, because we do not know your country, your lender or your vehicle.
- They open everywhere. Plain functions only — no dynamic arrays, nothing Excel-only, nothing Sheets-only. Upload one to Google Drive and every formula survives the trip.
- They match the printables. Most of these have a paper counterpart in the library of 400 sheets, and the pages link both ways.
Money and household finance
Budgets, bills, debts and savings — the arithmetic a printed grid cannot do.
Debt Payoff Tracker Spreadsheet
Every debt with its balance, rate and payment, working out how many months each takes to clear and roughly what that costs in interest — plus both payoff orders.
3 tabs · 12 kB Open it
Expense Tracker Spreadsheet
A dated list of what you spent, which totals itself by category and by month without you building a single pivot table.
3 tabs · 14 kB Open it
Household Budget Spreadsheet
A monthly budget that adds up planned against actual, keeps income, outgoings and saving apart, and rolls twelve months into a year view.
3 tabs · 11 kB Open it
Net Worth Tracker Spreadsheet
Everything you own on one side, everything you owe on the other, and the difference tracked month by month so the direction of travel is visible.
3 tabs · 11 kB Open it
Sinking Funds and Savings Goals Spreadsheet
The big irregular costs — the car service, the insurance renewal, Christmas — broken down into what you need to set aside each month to be ready for them.
3 tabs · 11 kB Open it
Subscription Tracker Spreadsheet
Every recurring payment on one page, converted to what it costs per year, with renewal dates counting down and a total for everything you have marked to cancel.
2 tabs · 10 kB Open it
Home and property records
Contents valued for insurance, warranties counted down, maintenance kept on its clock.
Appliance and Warranty Tracker Spreadsheet
Every appliance with its purchase date and warranty length, working out the expiry date and how many days are left before cover runs out.
2 tabs · 11 kB Open it
Home Inventory Spreadsheet
Room-by-room contents with what each thing cost and what it would cost to replace, totalled per room and overall — the list an insurer asks for.
3 tabs · 16 kB Open it
Home Maintenance Tracker Spreadsheet
Recurring jobs around the house with the interval you choose, working out when each is next due and flagging the ones already overdue.
3 tabs · 13 kB Open it
Renovation Budget Spreadsheet
A room-by-room build budget holding quoted against actual, with the variance on every line and a contingency you set yourself.
3 tabs · 14 kB Open it
Utility Usage and Cost Spreadsheet
Meter readings turned into usage and cost per period, so a bill can be checked against what the meter actually did rather than taken on trust.
4 tabs · 22 kB Open it
Vehicle records and costs
What a vehicle really costs per mile, what it drinks, and what falls due first.
Business Mileage Claim Spreadsheet
Business journeys logged with start and end readings, valued at the rate you enter, totalled per month and for the year.
3 tabs · 17 kB Open it
Fuel Log and Consumption Spreadsheet
Fill-ups logged against the odometer, working out distance per fill, consumption, and what each unit of distance cost in fuel alone.
2 tabs · 15 kB Open it
Vehicle Running Cost Spreadsheet
Everything a vehicle costs in a year — fuel, servicing, tyres, insurance, tax, finance — turned into a cost per unit of distance and a cost per month.
3 tabs · 12 kB Open it
Vehicle Service Schedule Spreadsheet
Service items tracked on both clocks at once — distance and time — showing which one falls due first and how far away it is.
3 tabs · 13 kB Open it
Landlord and rental property
Rent in, costs out, tenancy dates counted down, and what a let actually returns.
Property Inspection and Maintenance Log Spreadsheet
Inspection findings and maintenance requests tracked from report to resolution, with days open and cost per property.
3 tabs · 14 kB Open it
Rental Income and Expense Spreadsheet
Rent received and money spent, per property and per month, with the net for each property and a category breakdown for the year end.
4 tabs · 20 kB Open it
Rental Yield and Cashflow Spreadsheet
Purchase costs, rent and running costs turned into gross yield, net yield, monthly cashflow and return on the cash actually invested.
2 tabs · 8 kB Open it
Tenancy, Deposit and Renewal Tracker Spreadsheet
Every tenancy with its dates, rent, deposit and where the deposit is held — counting down to the end of each term so renewals never arrive as a surprise.
3 tabs · 13 kB Open it
Small business paperwork
Books, unpaid invoices, customers, stock and the quotes that turned into jobs.
Client and Customer Record Spreadsheet
A customer list that is also a value list — contact details, how they found you, what they have spent, and when you last spoke.
3 tabs · 15 kB Open it
Invoice Tracker and Aged Debt Spreadsheet
Every invoice raised, what has been paid against it, and how many days overdue the rest is — with the aged debt split that tells you who to chase first.
2 tabs · 17 kB Open it
Quote and Job Tracker Spreadsheet
Quotes followed through to finished jobs, with your win rate, the gap between quoted and actual, and the margin you really made.
2 tabs · 18 kB Open it
Small Business Income and Expense Spreadsheet
Simple books for a small business — money in, money out, categorised, with a monthly profit line and a year-end category breakdown.
4 tabs · 22 kB Open it
Stock and Inventory Spreadsheet
Stock on hand valued at cost and at retail, with margin per line and a reorder flag against the minimum level you set for each item.
3 tabs · 24 kB Open it
Personal and family records
Renewals that creep up, where the documents are, what the animals cost, and the move.
Important Document Locator Spreadsheet
An index of where the important papers actually are — the file somebody else would need if they had to find everything without you.
2 tabs · 9 kB Open it
Moving House Inventory Spreadsheet
Every box numbered, with what is in it, which room it came from and which room it is going to — plus a count of what has arrived and what has been unpacked.
3 tabs · 14 kB Open it
Pet Care and Cost Spreadsheet
What a pet costs across a year, alongside the dates that matter — vaccinations, treatments, insurance renewal — counted down.
3 tabs · 14 kB Open it
Renewals and Important Dates Spreadsheet
Insurance, licences, tests, memberships, passports and everything else that quietly expires — counted down from today and sorted by what lapses first.
2 tabs · 11 kB Open it
Using these in Google Sheets
Google Drive → New → File upload → pick the file, then open it with Google Sheets. Every formula in these workbooks is deliberately an ordinary one, so nothing breaks in the move. The dropdown lists and the cell colours come across too.
Browse the 400 printable sheets Or try the interactive tools