Free tools for wherever you're starting
Checklists, worksheets, and calculators to help you save, budget, and invest — no sign-up required.
Budget Planner
Download the planner — FreeTemplates & checklists
Budget Planner
A simple monthly budget template built for irregular income.
Download — FreeEmergency Fund Checklist
A step-by-step checklist for building your first safety net.
Download — FreeDebt Snowball Worksheet
List your debts smallest to largest and pay them off in order.
Download — FreeMonthly Expense Tracker
Log where your money actually goes every month, at a glance.
Download — FreeInvestment Readiness Checklist
Make sure the basics are covered before you put money to work.
Download — FreeFinancial calculators
We're building simple calculators for the numbers that matter most — no login, no spreadsheets.
Treasury Bills Calculator
See what a T-bill actually pays before you buy one.
Get notifiedPersonal Net Worth Calculator
Add up what you own and owe to see where you really stand.
Get notifiedRetirement Planning Guide
A plain-language walkthrough of planning for retirement in Ghana.
Get notifiedPopular resources
Frequently asked questions
Are these resources really free?
Yes — every checklist, worksheet, and tracker on this page is free. Only the eBooks in the Books section are paid.
Do I need to make an account to download something?
No. Just tap download — no sign-up required, though subscribing to the newsletter means you'll hear about new resources first.
What format are the downloads?
Most are simple, printable documents designed to work whether you prefer pen and paper or typing on your phone.
When will the calculators be ready?
We're building them now. Subscribe to the newsletter to be the first to try them when they launch.
Can I suggest a resource?
Yes — reach out through the Contact page. Reader requests are exactly how new resources get made.