My Finance Platform

Excel templates

The Free Template Collection

All 54 Excel templates on My Finance Platform in one list, grouped by decision. Each one matches a calculator on the site, so you can run the numbers online and then keep a copy you can change, work offline or send to your CPA.

How downloads work

The templates are free. The first time you download one we ask for your email address, which subscribes you to the free My Finance Platform newsletter so you hear when the figures change. Unsubscribe anytime by replying to any email. See the privacy policy.

Retirement income and Social Security

How much you can spend, when to claim, and what required distributions will add.

Taxes and retirement accounts

Brackets, Roth decisions and the accounts that feed them.

Net worth, portfolio and estate

A balance sheet your executor could use, and the portfolio behind it.

Home and property

Paying off, refinancing, renting out or moving.

Spending, savings and returns

Cash flow, savings goals and the arithmetic of growth.

Which template should you start with?

The one that matches the decision in front of you. Most readers start with one of four:

Retiring in the next few years

The Retirement Calculator projects your savings to the date you stop and the income they support. Pair it with the Healthcare Cost Estimator if you plan to stop before Medicare at 65.

Deciding when to claim

The Social Security Estimator compares claiming ages side by side, with the break-even year. Enter both spouses' benefits to see what waiting does for the survivor.

Already drawing income

The Retirement Withdrawal Calculator tests your spending rate year by year, and the RMD Calculator shows the distributions you must take and when they grow.

Getting your affairs in order

The Estate Planning Worksheet lists documents, beneficiaries and contacts, and the Personal Financial Statement puts every account on one page for your family or executor.

How are the templates built?

Each workbook is generated from the same figures and defaults as its calculator, so a template opened without changes shows the same answer as the calculator does with its starting values. If the two ever disagree, one of them has a bug, and we want to hear about it.

The layout is the same throughout. Inputs sit together near the top, shaded so you can tell them from formulas, and a note at the foot of each sheet states the year its figures apply to, such as tax brackets or the Medicare premium, and the IRS, Social Security or Medicare source they come from. Results are calculated with ordinary formulas you can click into and follow, with no macros, hidden sheets or add-ins. Change any assumption, such as the return, the inflation rate or the age you expect to live to, and every result moves with it.

That is the main reason to keep a template as well as using the calculator: you can see exactly how an answer was reached, test the assumptions you are unsure of, and keep a dated copy as a record of what you decided and why.

How do you keep a template current and safe?

Refresh it once a year. The IRS, Social Security and Medicare announce the next year's figures between October and December. Once they are out, download a new copy and paste in your own entries, or update the yearly figures in your existing copy from the retirement numbers page. The newsletter tells you when the new figures are in.

Treat a filled-in template like a bank statement. A net worth sheet or an estate worksheet lists your accounts, balances and beneficiaries, which is exactly what a fraudster would want. Store it where you keep other financial records, add a password in Excel if it holds account numbers, and send it to your CPA or attorney through their secure portal rather than plain email. Tell the person who will settle your estate where to find it; the guide to the records your family will need covers what else belongs with it.

Using a template alongside your CPA or adviser

A template is most useful before a meeting. Fill in the RMD schedule or the withdrawal calculator with your own balances, note the assumptions you are unsure of, and bring the file. The questions that matter, such as how much to convert to Roth this year or whether to claim Social Security at 67 or 70, are easier to discuss when both of you can see the same figures.

Where a rule depends on the year, check the template’s inputs against the 2026 retirement numbers, which lists the current figures with sources. The guides explain the rules behind each one.

Questions about the templates

Are the templates really free?

Yes. Every template on this page is free to download. We ask for your email address the first time you download one; that subscribes you to the free My Finance Platform newsletter, and you can unsubscribe at any time by replying to any email.

Why does downloading a template subscribe me to the newsletter?

Because the figures in the templates change. Tax brackets, contribution limits and Medicare premiums are updated every year, and the newsletter is how we tell you when a template or a calculator has new numbers. We do not sell or rent your email address.

Do the templates work in Google Sheets or Numbers?

They are standard Excel .xlsx files built with ordinary formulas and no macros, so they open in Excel, Google Sheets, Apple Numbers and LibreOffice. A few formatting details can look different outside Excel.

Can I send a template to my CPA or adviser?

Yes. The files are yours to keep, change and share. Filling one in before a meeting means you and your CPA or adviser are looking at the same figures.

I downloaded a template last year. Is it out of date?

Possibly. Templates carry the year’s tax brackets, contribution limits, Medicare premiums and IRMAA thresholds, which change each autumn for the following year. Download a fresh copy once the new figures are out, or update the input cells marked as yearly figures using the retirement numbers page. Your own entries are easy to copy across.

Can I trust the formulas?

Check them, which is the point of a spreadsheet. Every result is an ordinary formula you can click into. Each workbook is generated from the same figures and defaults as its calculator, so an unchanged template should match the calculator’s starting answer; if it does not, please tell us through the contact page.

Is a template financial advice?

No. The templates are educational tools. They show the arithmetic behind a decision; they do not know your whole situation. For decisions that are hard to reverse, review your figures with a professional.