Kit de finanzas personales
Plan financiero, metas, presupuesto, patrimonio neto, revisión de seguros, fondo de emergencia, pago de deudas, jubilación, comparar préstamos, archivo de emergencia y checklist fiscal.
Planificación
Personal Financial Plan Template
CompletaHousehold 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)Financial Goals Plan Template
CompletaMoney 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)Monthly Budget Template (Zero-Based, 50/30/20, Envelope)
CompletaZero-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)
Evaluaciones
Net Worth Statement Template
CompletaPersonal balance sheet: valuation rules, assets, liabilities, net worth and ratios, change analysis, ownership split, local equivalents
CFPB Your Money, Your Goals (public domain)Household Insurance Review Template
CompletaRisk ranking, policy inventory, health, life cover need (KaTeX), income protection, home rebuild cost and contents, liability, car, gaps, claims log, renewals
Subscription Audit Template
CompletaFind 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
Fundamentos
Emergency Fund Plan Template
CompletaEssential 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 EFFAKDebt Payoff Plan Template (Snowball and Avalanche)
CompletaDebt 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 amortisationRetirement Plan Template (Gap Analysis and Withdrawal Strategy)
CompletaRetirement 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)
Decisiones
Loan Comparison Template (APR, APRC, Total Cost)
CompletaCompare 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/EUMajor Purchase Plan Template (Home or Car)
CompletaPlan 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
Documentación
Emergency Document File Template (In Case of Emergency)
CompletaKey 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 guidesTax Document Checklist Template
CompletaTax 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)Freelancer Bookkeeping Template (Monthly Close, Tax Set-Aside)
CompletaAccounting 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