Financial Planning Toolkit

Free during beta · 5 tools · 5 Excel trackers

Take Control of Your Money, One Step at a Time.

Simple, beginner-friendly tools to help you plan your paycheck, build savings, prepare for big expenses, and start investing with confidence.

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Made for recent grads, first paychecks, and first apartments. No financial experience needed.

The Paycheck Planner app showing a monthly budget breakdown
The companion Paycheck Plan Tracker spreadsheet
Penny the Finance Cat, the toolkit's mascot, a friendly ginger tabby with a gold coin collar charm

Real screenshots of the real tools

Spreadsheets you can open and edit

Honest about being in beta

Free to try, no checkout

What's included

Five tools. Each one comes in two parts.

Every tool pairs a quick web app with an Excel tracker, so you can plan first and then keep track as real life happens.

Plan it in the app

Use the interactive web app to calculate, plan, and organize your finances. It runs in your browser, so there is nothing to install.

Track it in Excel

Use the companion Excel tracker to record what actually happens and monitor your progress over time.

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    Sound familiar?

    Managing money on your own is confusing. It doesn't have to be.

    “I just got my first paycheck, but I don't know how to divide it up.”

    Know how to allocate your monthly income.

    Paycheck Planner

    “I want to save money, but I don't know how much to put away.”

    Create realistic savings goals.

    Savings Goals Planner

    “I want to start investing, but the whole process feels intimidating.”

    Plan your savings and investment contributions.

    Save & Invest Planner

    “I'm moving into my first apartment and have no idea how much it will cost.”

    Prepare for large expenses before they happen.

    Moving Budget Planner

    “I don't really know how healthy my finances are.”

    Understand your overall financial health.

    Financial Checkup

    Explore the tools

    Pick a tool and try it free.

    Each one has a beta web app and a downloadable Excel tracker. They are separate things, so open the app, download the tracker, or do both.

    All five are free during beta

    Quick wins

    What you can get done in your first sitting.

    1. Create your first monthly budget

      Turn your take-home pay into a plan you can follow.

    2. Figure out how much to save

      Get a clear amount to put away for your next goal.

    3. Get a clearer picture of your priorities

      See what to tackle first: savings, investing, or everyday spending.

    4. Estimate your first move

      Know what your first apartment could cost before you commit.

    5. Start tracking your progress

      Use an Excel tracker to see how your real month compares to the plan.

    Try It Free

    Penny the Finance Cat, a friendly ginger tabby with a gold coin collar charm

    About

    Hi, I made these for people just getting started.

    Managing money on your own for the first time can feel intimidating, especially when nobody has shown you where to begin.

    I built this toolkit to make that first step less overwhelming: simple tools that turn a confusing question into a clear next step, plus spreadsheets to help you keep going.

    It's an early version and I'm still improving it. If something is confusing or missing, I'd genuinely like to hear about it.

    Early access

    Built in Beta, Improved With You.

    These tools are early versions, and you get to use them before anyone else. Your feedback will shape what gets fixed, added, and improved next.

    • Try any tool, then share what worked and what didn't.
    • Every app has its own short feedback form right after you get your results.
    • No sign-up needed to try them.
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    Penny the Finance Cat waving hello

    FAQs

    Questions you might have.

    Are the tools free?

    Yes. All five products are currently free to explore during beta.

    What is included with each product?

    Each product includes an interactive web application and a companion Excel spreadsheet tracker.

    Do I need financial experience?

    No. The tools are designed to be beginner-friendly.

    Do I need to download anything?

    The interactive applications can be accessed through a web browser. The companion trackers are Excel files that you can download.

    Can I use the tools on my phone?

    The web applications can be accessed through a browser. The Excel trackers are best used with a compatible spreadsheet application.

    Are these finished products?

    These are beta versions. Feedback will help improve them.

    Still have a question? Try a tool and use the feedback form inside it, and I'll see it.

    Penny the Finance Cat

    Your Money Journey Starts Here.

    You don't need to have everything figured out. Start with one tool, take one step, and build better money habits along the way.

    Explore the Free Tools