Free Templates
Free templates for budgeting, investing, taxes, crypto, and more. Use them manually or let Clarity automate the heavy lifting.
Templates for tracking income, expenses, and monthly spending plans.
A simple monthly budget spreadsheet that helps you see where your money actually goes. Track your income, fixed bills, everyday spending, and savings all in one place. You get automatic totals and a column that shows how your spending stacks up against your plan.
A budget built around the popular 50/30/20 rule: 50% of your take-home pay goes to needs, 30% to wants, and 20% to savings and debt. The template does the math for you and shows how your actual spending compares to those targets.
Give every dollar a job. With this zero-based budget, you assign your entire income to specific categories so that income minus all spending and saving equals exactly zero. Nothing slips through the cracks. Comes with pre-filled categories and a reconciliation section.
Built for people who get paid every two weeks. This template splits your expenses across two pay periods, handles those two bonus paychecks you get each year, and makes sure your bills are covered no matter which paycheck they fall near.
A budget built for two (or more). Whether you are a couple or a family, this template tracks multiple incomes, shared expenses, personal spending allowances, and household savings goals — all in one place.
A straightforward budget for students who are working with limited (and often irregular) income. Whether your money comes from a part-time job, financial aid, or family support, this template helps you track tuition costs, food, transportation, and yes, social spending too.
Templates for tracking portfolios, dividends, and investment performance.
See all your investments in one place — stocks, bonds, ETFs, mutual funds, the works. Track your cost basis, see how much you have gained or lost, check your asset allocation, and keep tabs on dividend income.
A stock tracker for people who pick their own companies. Get detailed per-position tracking, sector allocation breakdowns, and realized vs. unrealized gain calculations — all the way down to lot-level detail.
Keep track of every dividend you earn across all your holdings. Monitor your yield, payment dates, ex-dividend dates, and projected annual income. Also tracks DRIP reinvestments and year-over-year income growth.
Figure out exactly what to buy and sell to get your portfolio back on target. This worksheet shows the drift in each asset class and suggests trades, including tax-efficient options so you keep more of your gains.
Templates for organizing tax documents, tracking gains, and deductions.
Get your crypto transactions organized for tax time. This worksheet covers buys, sells, swaps, and income events. It calculates short-term and long-term capital gains using FIFO and flags potential wash sales.
Stay on top of your realized gains and losses across all asset types so tax season does not catch you off guard. This tracker separates short-term and long-term gains, manages loss carryforwards, and helps you estimate your tax bill before year-end.
A checklist of deductions people commonly miss, organized by category. Covers freelancers, homeowners, investors, parents, students, and charitable givers — with reminders about what documentation you need for each one.
One place to track all your 1099 forms before you file. Covers 1099-INT, 1099-DIV, 1099-B, 1099-MISC, 1099-NEC, 1099-K, and 1099-R. You can track what you are expecting, what has arrived, and whether the amounts match up.
Templates for tracking crypto portfolios, DeFi yields, and cost basis.
See your entire crypto portfolio in one view, no matter how spread out it is across exchanges, wallets, and DeFi protocols. Track positions, cost basis per coin, overall allocation, and DeFi positions.
Find out if your yield farming is actually making money after gas and impermanent loss. This tracker covers liquidity pools, lending, staking, and vault strategies — with columns for APY, rewards, gas costs, and your real net yield.
Track the cost basis of every crypto purchase so your taxes are accurate. Uses FIFO lot tracking and handles buys, sells, swaps, mining income, and airdrops across all your wallets and exchanges.
Templates for planning debt payoff strategies and tracking progress.
Map out your whole debt payoff plan. Compare the avalanche method (highest interest first) vs. snowball (smallest balance first), see exactly when you will be debt-free, how much interest you will pay, and what your monthly schedule looks like.
A visual tracker for the debt snowball method. List your debts from smallest to largest, watch your rolling payment grow as each debt disappears, and celebrate every milestone along the way.
Templates for tracking savings goals, emergency funds, and sinking funds.
Track your progress toward a fully-funded emergency fund. Set your target based on your real monthly expenses, log contributions, and see how close you are to your goal as a percentage.
Saving for a bunch of things at once? This tracker helps you manage multiple goals — vacation, home down payment, new car, wedding, whatever. See your progress, plan your monthly contributions, and know when you will hit each target.
Stop getting blindsided by expenses you knew were coming. A sinking fund lets you save a little each month for things like holiday gifts, car maintenance, insurance premiums, and home repairs — so the bill is covered when it shows up.
Templates for calculating and tracking your total net worth over time.
Templates for planning retirement savings and projecting future income.
Templates for tracking subscriptions and recurring expenses.
Related resources
Use the templates as a starting point, then move into calculators, product workflows, and educational guides.