All my money tools,
in one place.
Free & paid resources to help you understand your money and take your next step, in a way that fits your life, work, and goals.
All my money tools,
freebies
Monthly Budget Google Spreadsheet
Not sure where your money goes each month?
Use this simple spreadsheet to track income and expenses and get a clearer picture of your finances.
Digital Goal
Planner
Have goals but not sure how to break them down?
Use this planner to map out what you’re working toward and the steps to get there. Compatible with Goodnotes & includes hyperlinked pages.
College-Friendly Budget Spreadsheet
Trying to manage money as a college student?
This simple budget spreadsheet is designed for students who want a clear view of their finances while in school.
Personal Finance tools !
Ultimate Debt Payoff System Google Sheets
Not sure how to tackle debt when payments don’t seem to make a dent?
This system helps you lay out balances, build a debt payoff plan that fits your budget, and easily track payments over time.
Ultimate Travel Planner Google Sheets
Planning a trip and unsure how to keep track of costs and details?
,
This Google Sheets planner helps you organize travel expenses, shared costs, and trip details in one place.
Monthly Bill Calendar Google Sheets
This bill calendar shows all your recurring bills across the year, so you always know what’s coming up.
Sinking Fund Tracker Google Sheets
This savings tracker calculates how much to save for each goal based on your timeline and tracks your payments along the way.
Small business tools !
Small Biz Profit & Loss Bookkeeping
Small Biz Profit & Loss Bookkeeping
Want a clearer picture of your business finances?
This spreadsheet helps you track income, expenses, and profit throughout the year, plus mileage and home office deductions.
Airtable Digital Library Template
A digital library to organize the freebies, downloads, and paid courses you’ve collected, all in one searchable place.
Holiday tools !
Christmas Budget and Planning Hub
Christmas Budget and Planning Hub
This holiday planning hub helps you organize your gift list, holiday budget, personal shopping wishlist, and savings for the season.
It also keeps your December to-dos and social plans in one place.
Best for personal holiday planning, without turning the season into another project. It’s the one I use in this season of life.
Ultimate Christmas Planner
Ultimate Christmas Planner
This holiday planning hub helps you organize your gift list, holiday budget, personal shopping wishlist, and savings for the season.
It also keeps your December to-dos and social plans in one place.
Best for personal holiday planning, without turning the season into another project. It’s the one I use in this season of life.
Simple Christmas Trackers
Simple Christmas Trackers
A small set of holiday trackers that includes a basic budget dashboard, a card tracker, and a simple savings tracker.
Best if you just want to keep an eye on spending and a few lists, without a full planning system.
Digital & Printable planners!
Undated Digital Budget Planner
Undated Digital Budget Planner
A digital budget planner designed for those who love planning on their iPad. Includes sections for budgeting, spending, debt, savings, and investments. Compatible with GoodNotes.
Undated Printable Budget Planner
Undated Printable Budget Planner
A printable budget planner for those who prefer planning pen and paper. Includes sections to plan monthly spending and track debt, savings, and investment goals.
25-Page Printable Budget Planner
25-Page Printable Budget Planner
A shorter printable planner for tracking your monthly budget and monthly spending on paper.
Budget Planner Bundle
Budget Planner Bundle
A bundle that includes both digital and printable budget planners, so you can use whichever format fits you best.
My Favorite Online Calculators!
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Frequently asked
questions
Not at all! They're designed to be beginner- friendly. Plus, you'll also get a short video walkthrough and clear step-by-step instructions to help you get started in minutes, even if you’re not a “spreadsheet person.”
Since these are digital products, all sales are final. But if you run into any issues or need help, feel free to reach out. I’m always happy to help! You can email me at hello@kapitalizewithkaro.com