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Personal Finance Kit

Financial plan, goals, budget, net worth, insurance review, emergency fund, debt payoff, retirement plan, loan comparison, emergency document file and tax checklist.

Step 1

Planning

  1. Personal Financial Plan Template

    Full

    Household plan hub: profile, goals, cash flow, net worth, emergency fund, debt, insurance, investing, retirement, tax, estate, action plan, review

    CFPB Your Money, Your Goals; G20/OECD INFE 2016 (names)

  2. Financial Goals Plan Template

    Full

    Money goals with amount, date, priority, monthly contribution (future value and annuity formulas), funding account, budget check, scenarios, progress

    CFPB Your Money, Your Goals (public domain)

  3. Monthly Budget Template (Zero-Based, 50/30/20, Envelope)

    Full

    Zero-based, 50/30/20 and envelope methods, irregular income plan, sinking funds, savings and debt, annual view, month-end routine, local equivalents

    CFPB Your Money, Your Goals toolkit (public domain)
Step 2

Assessments

  1. Net Worth Statement Template

    Full

    Personal balance sheet: valuation rules, assets, liabilities, net worth and ratios, change analysis, ownership split, local equivalents

    CFPB Your Money, Your Goals (public domain)

  2. Household Insurance Review Template

    Full

    Risk ranking, policy inventory, health, life cover need (KaTeX), income protection, home rebuild cost and contents, liability, car, gaps, claims log, renewals

  3. Subscription Audit Template

    Full

    Find and cut recurring charges: where to look, inventory, annualised cost, cost per use, overlaps, keep/downgrade/cancel, cancellation log, trial calendar, rights

    ROSCA 15 U.S.C. 8403; Directive 2011/83/EU Art. 9, 11a, 14(3), 16; UK DMCC Act 2024 Part 4 Ch. 2
Step 3

Foundation

  1. Emergency Fund Plan Template

    Full

    Essential expenses, risk factors and months of cover, target and milestones, where to hold it, build schedule, emergency rules, withdrawal log, refill plan, local equivalents

    CFPB emergency fund guide (2025); Ready.gov EFFAK

  2. Debt Payoff Plan Template (Snowball and Avalanche)

    Full

    Debt inventory, interest maths, monthly debt budget, snowball vs avalanche choice, payoff schedule with worked examples, consolidation options, hardship log, tracker, guardrails

    CFPB Your Money, Your Goals debt tools (public domain); standard amortisation

  3. Retirement Plan Template (Gap Analysis and Withdrawal Strategy)

    Full

    Retirement goals, spending estimate, pension and income sources, staged gap analysis, savings needed, scenarios, glide path, withdrawal strategy, local equivalents

    Time-value-of-money method; CFPB consumer guidance (public domain)
Step 4

Decisions

  1. Loan Comparison Template (APR, APRC, Total Cost)

    Full

    Compare loan or mortgage offers: APR/APRC/EIR explained, amortisation formula, total cost, points break-even, rate stress test, fees, decision

    Regulation Z (12 CFR 1026); Directive (EU) 2023/2225; Directive 2014/17/EU

  2. Major Purchase Plan Template (Home or Car)

    Full

    Plan a home or car purchase: needs, affordability ratios, savings plan formula, total cost of ownership, buy vs rent or lease, shortlist, timeline, risks

    Regulation Z 12 CFR 1026.43; Directive 2014/17/EU Art. 18; Directive (EU) 2023/2225 Art. 18
Step 5

Documentation

  1. Emergency Document File Template (In Case of Emergency)

    Full

    Key contacts, where originals are kept, accounts (last 4 only), insurance, debts, digital accounts, legal documents, wishes, first-steps checklist

    FEMA EFFAK categories; CFPB managing someone else's money guides

  2. Tax Document Checklist Template

    Full

    Tax year and deadlines, identity, employment, self-employment, investments and disposals, property, deductions evidence, foreign income, filing, record keeping, local form names

    IRS and GOV.UK record-keeping guidance (2026)

  3. Freelancer Bookkeeping Template (Monthly Close, Tax Set-Aside)

    Full

    Accounting basis, separate accounts, chart of accounts, invoice and receipt logs, tax set-aside, owner pay, reconciliation, 13-week forecast, year-end pack

    IRS Publication 583 (12/2024); HMRC self-employed records guidance