Know your numbers. Make clearer money decisions.
Get five practical tools designed to help you organize your monthly money, estimate an emergency-fund target, map out debt, track net worth, and understand compound growth.
- Monthly Budget Planner
- Emergency-Fund Calculator
- Debt-Payoff Worksheet
- Net-Worth Tracker
- Compound-Growth Cheat Sheet
Get the free toolkit
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Everything inside the Money Math Toolkit
One practical starter kit. Five tools. No complicated financial software.
Monthly Budget Planner
Organize income, essential expenses, flexible spending, and savings in one place.
Emergency-Fund Calculator
Estimate a target from your essential monthly expenses and see the gap between your target and current savings.
Debt-Payoff Worksheet
List balances, APRs, and payments so you can see your debt picture more clearly.
Net-Worth Tracker
Add what you own, subtract what you owe, and track how your financial position changes over time.
Compound-Growth Cheat Sheet
Understand the formulas behind growth, contributions, time, return assumptions, and compounding.
How it works
The goal is simple: help you understand your own numbers before making bigger financial decisions.
Use the editable fields for your income, expenses, debt, assets, and savings.
The worksheets calculate totals and key differences automatically where formulas are included.
Use the results as an educational snapshot, not a prediction or personalized recommendation.
Your Money Math Toolkit is ready.
Choose the complete bundle or download the files separately.
Frequently asked questions
Is the Money Math Toolkit really free?
Yes. The toolkit is a free educational resource from The Rich Guy Math.
What format is the toolkit?
The main toolkit is a spreadsheet workbook, with a separate compound-growth cheat sheet in PDF format. A complete ZIP bundle is also available.
Does the toolkit tell me what to invest in?
No. It is designed to help you organize and understand financial numbers. It does not provide individualized investment, tax, legal, or financial advice.
Will my numbers be uploaded to The Rich Guy Math?
No. The downloadable workbook is used on your own device. The Rich Guy Math does not receive the financial numbers you enter into your downloaded copy.
Can I use it every month?
Yes. The budget and net-worth sections become more useful when you revisit them regularly and compare changes over time.
Your money gets clearer when the numbers do.
Start with five core calculations that can help you understand cash flow, savings, debt, net worth, and long-term growth.
Get the Free Money Math Toolkit