Everything here is free. Making it takes time and money. Everything here is free.

Buy us a coffee
Upkeep Papers

Finance hub

Budgets, Bills, Debt and Savings

Money paperwork that adds up. Every resource here comes as a working spreadsheet as well as a printable, and none contains a recommended percentage.

81 items on this subject: 50 resources, 24 printable sheets, 7 spreadsheets.

Planners, trackers and checklists

Printable, fillable and online — finance, budgeting and money.

Bill Payment Calendar

Which bills fall in each week of the month, by their due day.

FB-24 Calendar PDF Excel Online

Debt Payoff Tracker

The total owed across every debt, in one figure.

FB-25 Tracker PDF Excel Online

Savings Goal Tracker

Every deposit, dated, with the total after each one.

FB-27 Tracker PDF Excel Online

Sinking Funds Tracker

What each fund is for, when it is needed and how much it needs.

FB-28 Tracker PDF Excel Online

Emergency Fund Planner

Which costs are essential — the ones that continue whatever happens.

FB-29 Planner PDF Excel Online

Subscription Tracker

Everything that charges you on a schedule, in one list.

FB-30 Tracker PDF Excel Online

Weekly Budget Sheet

What came in this week and what was carried over from last.

FB-426 Budget PDF Excel Online

Cash Envelope Tracker

What each envelope is for and what period it covers.

FB-428 Tracker PDF Excel Online

Student Budget Planner

Every source of money for the term, and what each comes to per week.

FB-435 Budget PDF Excel Online

Record sheets

From the sheet library — invoicing and money.

Invoice Sheet

Write an invoice by hand when you need one, in a layout that leaves room for whatever your country requires rather than assuming a set of fields.

IM-01 1 page Invoicing and money

Estimate and Quotation Sheet

Price a job in writing, with the exclusions written down, so both sides know what was and was not covered before the work starts.

IM-02 1 page Invoicing and money

All invoicing and money

Spreadsheets

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

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

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

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

Other hubs

Home · Vehicles · Business · Rental property · Pets · Garden · Cleaning · Planning · Safety and records

By format: printables · fillable PDF forms · spreadsheets · calculators · tools.

Everything here is free

Every sheet, binder, game and puzzle on Upkeep Papers is free to download, with no email and no account. Making them is not free: each one takes days of research, design and checking, and the site costs money to run. If something here saved you time, you can buy us a coffee. It is entirely optional: nothing is locked, and nothing changes if you don’t.

Buy us a coffee

Opens PayPal in a new tab. Any amount, and nothing changes if you would rather not.