Spreadsheet tools for Excel
PennySteady makes two small tools: a checkbook register that keeps its totals honest, and a debt payoff planner built on what you can actually pay each month. No bank login, no ads, no subscription.
Free Lite editions now — paid versions not on sale yet; join the launch list.
Each tool has its own page, its own free Lite edition, and its own launch list.
Checkbook Register
A running balance for every account, statement matching down to $0.00, one-line transfers between your own accounts, and a built-in totals check.
Free Lite edition now. Planned launch price for the full version: $9, one time. Not on sale yet.
See the Checkbook RegisterDebt Payoff Planner
Enter your debts once and compare both methods with an estimated payoff date. The full version also logs one-time extra payments that stay one-time.
Free Lite edition now. Planned launch price for the full version: $9, one time. Not on sale yet.
See the Debt Payoff PlannerYou get one .xlsx file. Open it in desktop Excel.
What you type stays in your own copy of the file. The sheets don’t connect to any bank or lender, and we can’t see your numbers.
The sheets keep records and do the math on the numbers you enter. They don’t give advice.