Practical spreadsheet templates for Excel and Google Sheets. Instant download after checkout.

Open-enrollment calculator: compare up to 5 health plans (HDHP + HSA, PPO, HMO) on real yearly cost, including premiums, deductibles, copays, employer HSA money and tax savings. Includes a break-even chart, HSA/FSA planner, dental/vision check and a quick-start guide.

Holiday budget and gift tracker: per-person budgets, a gift-idea bank, an order tracker with 2026 shipping deadlines, small-gift lists, an after-Christmas review and a 2027 sinking fund. Tells you what to set aside each payday.