Free Debt Payoff, Savings Challenge & Holiday Budget Tools

Free money-planning tools for the holidays and the new year: browser calculators, a free budget file and free printables from LB3 Trackers, plus the paid spreadsheets they come from. Everything below describes what each file does; none of it is financial advice.

Free calculators (no download, no sign-up)

• Debt payoff calculator - estimate months to payoff and interest from the numbers you enter.
• Savings goal calculator - how long a savings goal takes at your deposit amount.
• Christmas budget planner - set a holiday total and split it up.
• 50/30/20 budget calculator and paycheck split calculator.
• All free downloads

Free files

• 2027 Budget Quick-Start Calculator ($0) - a single offline file: income vs. expenses, a 50/30/20 comparison, a debt payoff estimate and a savings-goal timeline. Numbers stay in your browser.
• Holiday Gift List printable ($0) - a 1-page PDF for tracking who you're buying for.
• Christmas Word Search ($0) - a 1-page puzzle for a no-cost family activity.

Payhip asks for an email at checkout for free items; enter $0.

Full spreadsheets (Excel and Google Sheets)

• Debt Payoff Planner ($7) - up to 10 debts, snowball and avalanche plans side by side, a compare tab and a payment log.
• Savings Challenge Tracker ($5) - 52-week, 52-week reverse, 100 envelopes or a custom goal, with a progress board.
• Christmas Budget Planner ($6) - per-person budgets, gift status, other holiday costs and a dashboard.
• 2027 Money Bundle ($15) - 6 money spreadsheets, including the three above.

Also on Etsy: LB3Trackers shop.

Estimates only: the files do math on the numbers you type in, with no live data or account connections. Check your lender's and bank's own statements.

Sign-up bonuses (personal referral links)

I earn a reward if you sign up. Disclosure: these are Leon's personal referral links; he may earn a bonus. Not sponsored by or affiliated with these companies.

Cash App: Get $5 when you send $5+ with Cash App. Create your account with my code: 3R4NNWJ. Terms apply. cash.app/refer/3R4NNWJ

Chime: This is my personal Chime referral link (I'm a customer, not affiliated with Chime). Open a new Chime Checking account with the link, get a qualifying direct deposit of $200+ within 45 days, and activate your physical card within 14 days of that deposit to get $100. I get a bonus too. Terms apply. Chime referral link

SoFi: This is my SoFi Checking & Savings referral link. If you open an account with it, I earn a referral bonus from SoFi, and new members can get a sign-up bonus too. Current bonus amounts and requirements are on SoFi's page. Terms apply. SoFi referral link

Casey's: I work at Casey's (personal post, not official). My Casey's Rewards invite code: LeiyttB8650. Enter it when you create a new Casey's Rewards account at app.caseys.com/JoinNow. After your first purchase, we may each earn 100 bonus points. New members only. Terms apply.

More: Sign-up bonuses page | Skills Match (free career tool) | LB3 Trackers hub

AI disclosure: these products and this page were made by LB3 Trackers with AI assistance. Not financial advice.