About Simple Money Sheets

Simple Money Sheets makes free, straightforward calculators and low-cost spreadsheet templates for everyday money decisions like paying off debt and building a budget. The site is built and maintained with the help of AI tools, and every calculator is tested against known results.

The free calculators are supported by sales of our spreadsheet templates. If a template helps you, buying one keeps the calculators free.

Privacy

The calculators run entirely in your web browser. The numbers you type are not sent to us or to anyone else. Some calculators save your inputs in your browser's local storage so they're still there when you come back. You can clear them at any time by clearing your browser's site data.

Purchases are handled by our payment provider, which receives the details you enter at checkout. We don't see or store card numbers.

We count page views with GoatCounter, a privacy-friendly analytics service. It doesn't use cookies or track you across sites. It records which page was viewed, the referring site, and general browser, screen size, and location (country, or state for US visitors), so we can see which pages are useful. It never sees the numbers you type into a calculator.

Not financial advice

Our tools are for education and planning. They use simplified assumptions (for example, interest charged monthly), so your lender's numbers may differ. For decisions about your own situation, consider talking to a qualified professional.