Personal Finance Spreadsheet Guides
Budgets, debt payoff, sinking funds, bills and net worth: step-by-step guides and free calculators for Excel and Google Sheets.
How to Budget Biweekly Paychecks: Split Your Bills Between Two Paydays
Your bills are monthly but your pay comes every other Friday. Budget each paycheck on its own: every bill goes to the payday before it's due, two weeks of groceries and a fixed savings amount come out of every check. A worked example, a paycheck split calculator, the 2027 three-paycheck months (and the New Year's Day payday catch) and Excel/Sheets formulas.
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Christmas Planning Checklist: What to Do Each Week From Now to December 25
Christmas 2026 is a Friday, ten weeks from mid-October. A week-by-week Christmas to-do list with this year's real dates (Thanksgiving, Black Friday, USPS and FedEx shipping deadlines), a hosting checklist with food amounts and a Christmas Day timeline, and a countdown planner that builds your remaining weeks.
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Black Friday Budget: How Much to Spend and How to Plan It (2026)
Black Friday 2026 falls on November 27. A 5-step way to set a Black Friday budget from your holiday plan and shopping list, 2025 spending data from Adobe, NRF and Deloitte, a free budget planner and a quick test for fake discounts.
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How to Make a Yearly Budget for 2027 (in Excel or Google Sheets)
A step-by-step way to plan all of 2027: take-home income, annual and irregular bills, savings goals, the 2027 three-paycheck months and a yearly budget spreadsheet layout for Excel or Google Sheets. Free calculator included.
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Net Worth Spreadsheet: How to Calculate and Track Your Net Worth
How to calculate your net worth (including a home and mortgage), how it compares with the Federal Reserve's median by age, and how to track it monthly in an Excel or Google Sheets net worth spreadsheet. Free calculator included.
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How Much to Spend on Christmas Gifts: Per Person, Per Child and a Budget Calculator
How much to spend on Christmas gifts per person and per child: last season's NRF and Gallup averages, how to set your total budget, split gifts from food and decor, divide it by tiers of people, and a calculator that does the split for you.
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Sinking Funds: What They Are, Examples, Categories and How to Calculate Them
What sinking funds are and how they differ from an emergency fund, the monthly formula, categories and examples from car insurance to Christmas, how to track them in Excel or Google Sheets, where to keep the money and a calculator for your own list.
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How to Make a Debt Snowball Spreadsheet in Excel or Google Sheets
How the debt snowball method works, the columns and formulas for a debt snowball spreadsheet in Excel or Google Sheets, a worked four-debt example, snowball vs. avalanche, common mistakes, and a calculator for your own debts.
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How to Start an Online Directory Business | Spreadsheet Guide
Learn how to build a practical five-tab spreadsheet for launching an online directory business. Organize listings, manage outreach, plan content, track finances, and review performance as your directory grows.
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Determine Your Budgeting Priorities in 2026
Guide to ranking 2026 budgeting priorities: emergency fund, high-interest debt, max retirement (401(k)/IRA/HSA), healthcare, and investments, with inflation (2.4-3%), 50/30/20 allocation, tools/apps, examples, and challenges. Use Spreadsheetshub.com templates for custom tracking.
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Dec 29, 2025
How to Budget Money in 5 Steps
This practical guide explains how to budget money in 5 straightforward steps, perfect for beginners or anyone seeking financial control. It covers calculating income, tracking and categorizing expenses, setting goals with methods like 50/30/20 or zero-based budgeting, creating the budget, and regular reviews. With real examples, common challenges, app recommendations, and customizable spreadsheet templates from Spreadsheetshub.com to automate tracking and forecasting.
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Ultimate 2026 Retirement Planning Guide
This ultimate guide covers all aspects of retirement planning for 2026, including higher contribution limits, tax strategies, investment approaches, Social Security tips, healthcare preparations, budgeting, estate planning, and key mistakes to avoid. Use customizable spreadsheets from Spreadsheetshub.com for personalized projections.
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Top Retirement Planning Mistakes to Avoid in 2026
This guide highlights the top 15 retirement planning mistakes to avoid in 2026, including failing to max contributions, overlooking inflation and taxes, claiming Social Security early, and poor diversification. With updated IRS limits and practical strategies, plus tools from Spreadsheetshub.com to model your plan.
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Budgeting for Maximizing Retirement Contributions in 2026
This comprehensive guide helps you budget effectively to maximize retirement contributions in 2026 using the latest IRS limits. It includes key figures for 401(k)s, IRAs, HSAs, tax bracket insights, cost-cutting ideas, real-life success stories, and tools like templates from Spreadsheetshub.com to secure your financial future.
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How to Build a Retirement Contribution Spreadsheet for 2026
Learn how to build a fully customized 2026 retirement spreadsheet in Google Sheets or Excel: track limits, tax savings, compound growth, and run unlimited scenarios.
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2026 Tax Credits Every Saver Should Know About
2026 brings valuable tax credits for retirement savers, families, students, and more. Learn about the Saver's Credit, enhanced Child Tax Credit, EITC, Adoption Credit, and education incentivesβplus tips to claim thousands in savings.
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2026 Tax Brackets and What They Mean for Your Retirement Contributions
2026 brings higher tax brackets and standard deductions due to inflation. Learn the new rates for single, joint, and head of household filers, plus how pre-tax retirement contributions can lower your bracket and save on taxes.
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Backdoor Roth IRA: A Complete 2026 Guide
High earners can still access Roth IRA benefits in 2026 via the Backdoor strategy. Discover the updated $7,500/$8,600 limits, detailed steps, pro-rata pitfalls, tax rules, and advanced tips to maximize tax-free growth and inheritance planning.
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Traditional IRA vs. Roth IRA: Which Is Better in 2026?
With 2026 IRA limits at $7,500 ($8,600 for 50+), choosing between Traditional (tax deduction now) and Roth (tax-free later) is key. Explore differences, phase-outs, scenarios, and smart strategies to optimize your retirement savings.
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How to Maximize Employer Match in Your 401(k) in 2026
Employer matches are the ultimate "free money" in retirement planning. In 2026, with higher IRS limits, discover proven strategies to get the full match, pace contributions wisely, leverage catch-ups, and avoid costly mistakes. Turn your 401(k) into a powerhouse for a secure future!
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401(k) 2026 Contribution Limits for Those Over 50
As you hit your 50s, 2026 brings exciting boosts to 401(k) contribution limits. Discover the new $8,000 standard catch-up, $11,250 super catch-up for ages 60-63, total limits, smart strategies, and tax tips to supercharge your retirement nest egg. Don't miss this chance to catch up and grow your savings faster!
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Dec 23, 2025
2026 Roth 401(k) Contribution Limits
Roth 401(k) limits rise in 2026: $24,500 base, $8,000 catch-up (or $11,250 for ages 60-63). High earners must use Roth for catch-ups. Learn benefits, strategies and how to maximize tax-free retirement savings.
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401(k) Contribution Limits for 2026: Simple Guide
The IRS increased 401(k) limits for 2026: $24,500 employee contribution (+$1,000), $8,000 catch-up (or $11,250 for ages 60β63), total up to $72,000+. See full comparison to previous years and easy tips to save more for retirement.
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Sep 6, 2025
SpreadsheetsHub Membership β Own 5 Premium Templates Today, Pay Monthly, Keep Forever
Stop buying templates one by one. With SpreadsheetsHub Membership you get lifetime access to 5 premium spreadsheets today for $4.99/mo or $45/yearβplus monthly swaps, updates, and priority help. Smarter, cheaper, faster.
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