Free DIY Financial Resource Library
Resource directory
Browse by the decision you’re working on. Calculators open on this site; worksheets, plans, and guides open their resource page with download options.
Calculators and interactive tools
- Household Spending Comparison Tool
Compare what households like yours spend across major budget categories.
- Healthcare Costs Estimator
Explore healthcare costs before Medicare using your household assumptions.
- Income Tax Projection Calculator
Estimate income taxes and compare scenarios using your own assumptions.
- Mortgage Payoff Calculator
See how extra payments change your payoff date and total interest.
- Mega-Cap Valuation Workbook
Test the growth implied by mega-cap valuations using a dated market snapshot.
Worksheets and planning templates
- Personal Financial Statement (PFS)
See your net worth, cash flow, and FI/RE portfolio in one spreadsheet.
- Vision & Goal Setting Template
Define what you want and turn it into shared priorities and goals.
- Money Date Template
Use a guided money conversation to review your finances, solo or with a partner.
- Investor Policy Statement Template
Write down your investing goals and rules using Mindy and Carl’s example.
- The Bucket List Builder
Turn your bucket list into a plan with priorities, real dates, and next steps.
- Forgotten Expenses Checklist
Catch annual and occasional expenses that are easy to miss in a monthly budget.
- Roth Conversion Window Worksheet
Map your Roth conversion window, living expenses, and potential tax costs.
- 2026 Year-End Money Moves Checklist
Review taxes, investments, benefits, and financial housekeeping before year-end.
Sample financial plans
- DEWK Family Financial Plan
Explore a plan for two working parents with high net worth but limited accessible savings.
- DEWK Financial Projection Model
Compare the financial paths in the DEWK family plan with a five-tab Excel model.
- Family Financial Stability Plan
Start a household financial plan with a practical framework for middle-class families.
Guides and presentations
- The Ultimate Guide to Decumulation (2026)
Explore retirement portfolio and withdrawal strategies, including their tradeoffs.
- Withdrawal Frameworks Presentation
Compare six frameworks and the tradeoffs behind retirement withdrawal decisions.
- Alternatives to Sequential Drawdown
Compare sequential, blended, and cyclical retirement withdrawal approaches.
- The CEO Toolkit
Explore Scott Trench’s operating manual for leading a middle-market company.
- Bitcoin’s Binary Endgame
Read Scott Trench’s analysis of Bitcoin’s long-term security incentives.
Tools for Your Personal Finance Journey
Welcome to the BiggerPockets Money Financial Resource Library, your premier destination for free, high-quality DIY financial planning tools. Our mission is to democratize financial education by providing the same caliber of templates used by professionals—completely free of charge.
Why Use Our Library?
- No Paywalls, No Logins: Access every resource instantly. We believe financial clarity shouldn’t require a trade-off for your personal data.
- Fully Modifiable: Our templates are provided in flexible formats (PDF, Spreadsheet, Document). Download them, save your own copy, and customize them to fit your unique financial situation.
- Expertly Designed: These tools are built based on the principles discussed on the BiggerPockets Money Podcast to help you reach Financial Independence (FI) faster.
Featured Resources
Our library is constantly growing to meet your needs. Current tools include:
- Personal Financial Statement: The “North Star” of your finances. Track your net worth, assets, and liabilities with precision.
- Goal Setting & Visioning Workbook: Move beyond numbers and design the life you want your money to build.
- Money Moves Checklist: Never miss a “Money Date” or tax deadline again with our structured planning guides.
- Sample Financial Plans: Real-world examples of how different households (DINKs, single parents, HCOL/LCOL) structure their path to wealth.
⚠️ Disclaimer: For Educational Purposes Only
The resources provided in this library are for educational and informational purposes only. They do not constitute professional financial, legal, or tax advice. We strongly recommend consulting with a certified financial planner, CPA, or attorney before making significant financial decisions. Every financial situation is unique, and these tools are designed to help you organize your data, not to make investment or planning guarantees.
If you’d like to talk to a Professional CFP®, we have a partnership with Domain Money. You can learn more at www.biggerpocketsmoney.com/CFP
How to Use This Library
- Browse: Use the search bar or category filters to find the tool you need.
- Download: Click the download button to save the file directly to your device.
- Personalize: Open the file in your preferred software (Excel, Google Sheets, Word) and start your DIY planning journey today.