Smart templates
for smart living

Take control of your personal finances. Income, fixed expenses and variable costs — budgeted vs actual, calculated automatically.

• 13 sheets — annual overview + 12 months
• Income, fixed & variable expenses
• Budgeted vs actual + difference (auto)
• Monthly surplus or deficit

Track multiple savings goals at once. From holiday to home deposit — see exactly when you'll reach each goal.

• 6 savings goals with progress bars
• Monthly overview per goal
• Months remaining (automatic)
• 10 proven saving tips included

Become debt-free using the Snowball or Avalanche method. Both included — you choose what suits you best.

• Snowball method (smallest debt first)
• Avalanche method (highest interest first)
• Monthly repayment log
• Automatic payoff timeline

What do you actually pay per month and per year? All subscriptions in one place, automatically summed by category.

• 12 example subscriptions included
• Automatic monthly and annual costs
• SUMIF by category (Streaming, Music…)
• Cancellation checklist to save money

Complete financial dashboard for freelancers and self-employed professionals. Revenue, VAT, tax provision, invoices and sales pipeline — all automatic.

• 16 fully configured sheets
• VAT 21% + adjustable tax provision
• Invoice tracker with payment status
• Sales pipeline with monthly targets

What should you charge per hour? Calculated from your desired net income, vacation days, business costs and taxes.

• Minimum and recommended rate
• Adjustable non-billable percentage
• 4 scenarios: Starter to Expert
• Tax and pension factored in

From gross to net. Dutch tax rules 2026 built in: income tax, employment credit, health insurance contribution and allowances.

• Box 1 income tax 2026 (2 brackets)
• Employment and general tax credits
• Healthcare and rent allowance indicator
• 12-month overview + scenarios

Buy or rent — which is cheaper over 30 years? Full analysis including investment alternative for renters.

• 30-year buy vs rent analysis
• Mortgage calculation (annuity)
• Transfer tax and interest deduction
• Investment portfolio alternative for renters

Two incomes, one overview. Joint expenses, personal budgets per partner and child costs — all in balance.

• 2 incomes + allowances
• Joint expenses (8 categories)
• Personal budget per partner
• Child costs + 6 savings goals

Spiral-bound weekly planner including a comprehensive sticker sheet with 150+ stickers for holidays, vacations and special moments.

• 52 weeks, generously laid out
• 150+ stickers in 4 colours
• Dutch holiday and vacation labels
• Perfect gift for families

Stocks, ETFs, crypto and dividends in one overview. P&L, allocation and dividend tracker — fully automated.

• 6 sheets: positions, transactions, dividends, crypto
• P&L calculation per position
• Allocation by category (SUMIF)
• 8 example positions included

When can you stop working? State pension, employer pension and own savings pot combined in one clear overview.

• State + employer + own savings
• Shortfall / surplus calculation
• 30-year accrual schedule
• 10 retirement tips included

Financial Independence, Retire Early. Calculate your FIRE number, FIRE age and compare Lean, Regular, Fat and Coast FIRE.

• FIRE number + FIRE age (automatic)
• 5 scenarios: Lean → Fat → Coast FIRE
• 40-year wealth projection
• 6 FIRE methods explained