Money Basics downloads
Every calculator in the course is also a spreadsheet you can keep. Each one opens in Excel, Google Sheets (File, then Import) or Apple Numbers. Blue cells are inputs; everything else is a formula you can click on to see how the number is worked out. Tax numbers are for 2026.
Money Basics workbook (all tools in one file)
Spreadsheet (Excel, Google Sheets, Numbers)
Every calculator from the course in one spreadsheet: paycheck, budget, interest, loans, credit cards, taxes, health insurance, car, home and savings goal.
Paycheck and budget
Spreadsheet (Excel, Google Sheets, Numbers)
Turn gross pay into take-home pay with this year's federal and state taxes, then plan a 50/30/20 budget and track a month of spending.
Interest and investing
Spreadsheet (Excel, Google Sheets, Numbers)
Simple versus compound interest year by year, the rule of 72, and the start-early comparison.
Loans and credit cards
Spreadsheet (Excel, Google Sheets, Numbers)
A full loan amortization schedule and a credit card payoff table comparing the minimum payment with a fixed payment.
Cost of living and taxes
Spreadsheet (Excel, Google Sheets, Numbers)
Every tax in a year, plus a state-by-state table of sales and income tax to compare places to live.
Health insurance comparison
Spreadsheet (Excel, Google Sheets, Numbers)
Compare two plans' total yearly cost (premiums plus copays, deductible and coinsurance, capped at the out-of-pocket maximum) in a light, medium and heavy year.
Car and first home
Spreadsheet (Excel, Google Sheets, Numbers)
The full monthly cost of a car and of a home (principal, interest, property tax, insurance, PMI), and the cash needed to buy.
Savings goal planner
Spreadsheet (Excel, Google Sheets, Numbers)
How much to save each month for any goal, and how many hours of work that is.
Money Basics guide (PDF)
A printable summary of every lesson: key ideas, formulas and checklists, with this year's tax numbers.
These are teaching tools, not tax software or financial advice. They use simplified rules (a single filer, the standard deduction, no credits). For your actual taxes, use the official forms or a qualified preparer.