There are free financial planning spreadsheets available online. They are available in two main formats: either as downloadable excel spreadsheet templates, or as online calculators that can save data and calculations in spreadsheets, according to MoneyHelp.
Both the spreadsheet templates and online calculators are capable of accomplishing similar tasks. Personal Finance Insights contains comprehensive downloadable excel templates that allow both individuals and organizations to design budgets and cash flow statements, personal and corporate financial goals, and calculate net worth (balance sheet) statements. ChristianPF offers over ten different types of downloadable spreadsheets specifically designed for personal budgeting and useful tasks such as debt reduction, on a monthly and yearly basis. Some spreadsheets offered online may pose technical challenges to many users, especially starters, and are thus accompanied by video tutorials for guidance.