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by Andy Marker on Sep 21, 2017
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Whether you’re starting a business or looking for ways to grow an existing company, creating and following a financial plan can help ensure success. An effective plan can inform business decisions, provide documentation for investors and other stakeholders, and serve as a guide to help you reach objectives. Some businesses may choose to work with financial consultants or use software to manage financials, but for some teams, templates offer an easy method to begin strategic planning. Below, you’ll find multiple free financial planning templates for both business and personal use.
These free templates are designed for users with a wide range of experience levels, and offer professional quality along with simplicity. You’ll find templates for goal planning, financial projections, budget planning, retirement calculations, and more.
Business Financial Planning Templates
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Business Budget Template - Excel
This business budget template provides a mix of detailed spreadsheets and graphical data reports. You can estimate expenses, track actual expenditures, and view variances, all of which are summarized by month and visually represented in charts. This information allows you to create a comprehensive business financial plan template.
Download Business Budget Template
Excel | Smartsheet
Project Budget Template - Excel
Designed for projects, this template allows you to list costs for each task. Depending on the type of project, you may include hourly services that contract employees provide, equipment costs, or other expenses. Create an estimated budget and then compare actual expenses to help with financial planning on future projects.
Download Project Budget Template
Excel | Smartsheet
12-Month Sales Forecast Template - Excel
Use this sales forecast template to create financial projections for individual products on a monthly and annual basis. You can also track sales performance over time and compare figures from previous years. Color-coded cells make it easy to view data for each month, and the template calculates monthly and annual totals.
Download 12-Month Sales Forecast Template
Excel | Smartsheet
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Event Budget Template - Excel
Whether you’re planning a conference, company party, fundraiser, or wedding, any tool that helps organize your event planning process can reduce stress and aid in creating a successful event. This budget template lists the many expenses involved in an event, from venue rentals to programming and advertising. It also compiles the data you enter into visual charts so that you can quickly get an idea of your event budget allocation.
Download Event Budget Template
Excel | Smartsheet
Financial Management Plan - Word
Create a financial strategic action plan with this Word template. You’ll find a basic outline to follow, including sections for an overview of your business or project, assumptions, risks, financial management methods, and more. Once you have created a comprehensive financial plan, use it as a living document, just like you would a business plan. You should review and update financial templates regularly in order to assess progress, provide accountability and accuracy, and ensure that it continues to meet your needs.
Financial Dashboard Template - Excel
This template provides a summary report of financial data with a dashboard view, which makes it easy to compile and quickly review information. You’ll get a combination of bar charts, a pie chart, and a graph to compare statistics over time. Use the template to measure product performance, view sales data, and chart annual revenues or other financial information.
Startup Expenses Template - Excel
If you’re starting a business, this template can help you identify potential funding sources as well as necessary expenses to get your venture up and running. Similar to a budget template, you can track both estimated and actual costs, and make adjustments as needed. Identifying startup expenses can support your business planning process and help ensure that you have adequate financial resources to reach your goals.
Break-Even Analysis Template - Excel
A break-even analysis shows when a business will meet all of its expenses and begin to reach financial profitability. To do this analysis, enter your fixed and variable expenses into the template and the pre-set formulas will calculate how much revenue a business needs to break even.
Download Break-Even Analysis Template
Excel | Smartsheet
Financial Report Template - Excel
Create an annual financial report for your business that shows key metrics in an easy-to-read format. Getting a financial overview allows you to track performance over a given time period, and a summary report simplifies communication with stakeholders. You can easily print and share this Excel template as a PDF document.
Marketing Budget Template - Excel
Create a comprehensive marketing budget plan with monthly, quarterly, and annual views on one template. In the first column, you’ll find a list of marketing expenses that include public relations, social media, advertising, online content, and more. There is also a section for listing specific marketing campaigns so that you can estimate and compare costs for each.
Personal Financial Planning Templates
One-Page Financial Plan Template
Individuals can also benefit from strategic financial plans. This one-page template allows you to create a personal financial plan that is concise yet comprehensive. Determine your current financial situation, create an action plan for reaching goals, and use the plan to track implementation and progress. If needed, you can include numbers for life insurance or estate planning.
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Download One-Page Financial Plan Template
Excel | PDF
Family Budget Planner Template - Excel
Families can use this planner to track household expenses and create a monthly balanced budget. You’ll find a list of common expenses including housing, transportation, healthcare, and entertainment, but you can also edit these categories to align with your specific monthly costs. The template also includes a section for savings to help you plan for retirement, create an emergency fund, and track investments.
Financial Goals Worksheet
Goals are only dreams unless you take steps to achieve them. Use this worksheet to clarify your top goals, identify potential roadblocks, and list actions you can take to overcome obstacles and reach your desired outcome. Goal planning can help prioritize objectives, create a realistic timeline, and provide accountability.
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Finance Planner Printables
Excel | Word | PDF
Personal Monthly Budget - Excel
This monthly financial planner template provides a detailed budget along with a visual summary of your data. It includes sections for listing all sources of income, different savings accounts, and all of the expenses required to meet basic needs and support your lifestyle. You can use this template to plan for each month as well as to track earnings and expenditures over time.
Investment Planning Template
Use this template to analyze your financial situation, assess your investment strategies, and determine investment goals. This worksheet can help clarify where to make changes in your current strategies and identify your comfort level with different approaches to investing. Even if you don’t have any investments, this template can provide a starting point for thinking about and planning your goals.
Download Investment Planning Template
Word | PDF
Retirement Planning Worksheet - Excel
This template serves as a retirement calculator and budget worksheet that you can use to plan for retirement while accounting for inflation. If you are already retired, use the template to create a weekly, monthly, or annual budget based on your current income and expenses. You may want to consult with a financial planner to ensure that you are maximizing your income and saving sufficiently for retirement, but this template provides a basic financial planning and management tool that can help kickstart the conversation.
Personal Financial Statement - Excel
Determine your personal net worth with this simple yet detailed template. Enter your assets and liabilities - from cash and retirement savings to credit card debt and mortgages - and the template will automatically calculate your net worth. These details provide a quick look at your current financial standing. If you’re starting a business and seeking funding from lenders or investors, you may need to provide the information you collect in this template.
Simple Financial Template - Excel
If you want to create a streamlined budget, use this simple financial template to see the difference between your income and expenses. Sections are provided for an itemized list of each, and a pie chart displays the balance between the two. This template may be helpful for individuals who are building a budget for the first time, or for those without complicated finances who just want to see how much they spend each month.
College Student Budget Template - Excel
This template includes a list of potential expenses for college students. Use the details it reveals to determine how to pay for each item or where to cut costs. It also allows you to create a budget for each semester, weighing income against expenses to ensure that you have adequate funds. By creating a balanced budget, college students can focus on school responsibilities rather than worrying about finances, and also ensure that spending money is available for entertainment and wellness needs.
Improve Financial Planning with Work Management in Smartsheet
Once you gain an understanding of your business finances, you may be looking for a way to keep budgets on track and accountable. Consider creating a system that provides visibility, access to stakeholders and accounting departments, and notifications that alert you when your budget is in jeopardy.
Smartsheet is a work management and automation platform that enables enterprises and teams to work better. Over 70,000 brands and millions of information workers trust Smartsheet to help them align the right people, resources, and processes to get work done.
With its familiar interfaces, Smartsheet is designed for how people actually work, leading to rapid and broad adoption across your organization. Use self-service reports and dashboards in Smartsheet to provide real-time visibility into resources, status, and performance so you can rapidly align operations to strategy.
Discover why millions of professionals around the world use Smartsheet to get from idea to impact, fast.
Keep finances on track with a real-time financial plan in Smartsheet.
Having a plan for your finances is crucial, and a comprehensive financial plan may include budgeting, saving, investing, paying off debt and creating a roadmap to retirement. Working with a financial advisor can be helpful in creating your personal money plan, but DIY types might prefer to use a financial planning software instead. There are a multitude of options to choose from and each one has a different range of features. If you’re a financial advisor yourself, there are also plenty of software options that you can use to help you build plans for your clients.
Financial Planning Software for Individuals
Personal Capital
Fees | – Free |
Best For | – Those who want to integrate their investing needs with a financial plan |
Personal Capital is a popular financial planning software option for both beginners and those more experienced with money management. The free version of the software includes all the features necessary for basic financial planning, including:
- The ability to link all of your financial accounts, including retirement and investment accounts, in one place
- A “net worth” tracker
- A tool to find hidden fees you might be paying for your investments
- Budgeting and cash flow tools to track spending
- Goal trackers for your spending and savings targets
- Tools for forecasting retirement and college savings outcomes
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These features are included in the software at no charge and offer a comprehensive view of your finances. If you need help choosing investments, Personal Capital also offers robo-advisor wealth management services for a fee.
Quicken
Fees | – Plans start at $34.99 |
Best For | – Users looking for a simple software |
Quicken offers multiple financial planning software solutions, depending on what exactly you want to do with your money. The Starter version, for example, lets you view all of your accounts in one place, create a budget, track your spending, manage your bills and categorize your purchases.
If you want to take a deeper dive into your finances, the Premier version may be more appropriate. This version lets you do everything the Starter version does, while also adding in some additional features and tools, such as:
- The ability to track loans, investment and retirement accounts in one place
- Access to Morningstar’s® Portfolio X-ray® tool
- Automatic bill pay
- Market comparison and investment tax planning tools
There’s also the Home & Business version, which might be helpful if you need a streamlined way to manage business and personal finances.
Intuit Mint
Fees | – Free |
Best For | – Existing Intuit customers – Anyone with multiple bank accounts |
Mint is one of the most popular free financial planning tools on the market. There’s a lot you can do with Mint, including:
- Tracking all of your bank and credit card accounts in one place
- Setting your monthly budget
- Tracking and categorizing expenses
- Monitoring your credit score
- Tracking your investments
- Setting up bill pay reminders
“Mint is an incredibly popular online personal finance tool that’s great for all kinds of users. Aside from it being a great budgeting tool, it has a plethora of money management tools that you can also use,” says Brian Meiggs, founder of millennial finance site MyMillennialGuide.com.
Mint is more focused on basic budgeting and money management than it is on investing. You also can’t pay your bills through the software. Still, it’s got a good user interface that’s easy to navigate, and it’s great for users who are mainly interested in tracking their spending and keeping on budget. The app works on both mobile and desktop, so it might also be good for someone who wants to manage their finances on the go.
WealthTrace
Fees | – $229 to $309 for first year – $169 to $269 for renewal |
Best For | – Those looking for more in-depth analysis – Smaller advisory firms that want plenty of support |
WealthTrace is a financial planning program that both individuals and advisors can use. Individual users can choose from three package tiers: Basic, Advanced and Deluxe. The cost of the software ranges from $229 to $309 for the first year, with lower rates for subsequent annual renewals.
What WealthTrace offers in exchange for these prices is the ability to budget your money and set specific savings goals. You can plan for both retirement and college savings, as well as attain some insight into how to minimize your tax liabilities.
Maya 2018 3 – professional 3d modeling and animation toolkit. Like some of the advisor-focused programs on the market, WealthTrace also allows you to run scenarios on things like market downturns, life insurance needs and retirement income. If questions come up as you use the program, you can connect with a WealthTrace expert by phone, email or live chat to get help.
Financial Planning Software for Financial Advisors
MoneyGuidePro
Fees | – $50 to $175 per advisor, per month – $500 to $2,000 per advisor, per year – $400 to $660 per year for various add-ons |
Best For | – Solo financial planners – Individual RIAs |
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MoneyGuidePro is a client-centered financial planning software used by professional financial advisors. It’s focused on alternatives to the standard methods of retirement planning. One of the features that’s integrated within this software is called Play Zone, which utilizes sliders for retirement age, financial goals and more to illustrate how financially successful a client’s retirement could be.
This software comes in three forms: One, Pro and Elite. One is the most basic version, as it comes with a risk tolerance assessment tool, financial and lifestyle goals planning and more. Pro boasts all of the features of One, as well as a bunch of extras, like risk management, estate planning and Social Security optimization. The Elite edition offers everything, in addition to secure income modeling, total income modeling and advanced lifetime protection.
In March 2019, Envestnet purchased MoneyGuidePro for $500 million and took over its operations. Envestnet is a large financial services company that focuses on various advisor-centric wealth management platforms.
eMoney Advisor
Fees | – Varies depending on the needs of the advisor or firm |
Best For | – Firms looking for a complete set of advisory services and programs |
eMoney Advisor offers a hefty suite of financial planning services for advisor firms and large advisory enterprises. The program is based around three distinct packages of services (Plus, Pro and Premier), with a fourth tier reserved for customized enterprise relationships.
Customers who purchase the Plus tier receive bare-bones access to eMoney’s customer website and mobile app, foundational financial planning services and advanced financial analytics. If you need more than that, the Pro version upgrades the basic foundational financial planning services for an advanced level, in addition to advanced financial analytics. Premier customers gain access to everything that eMoney has to offer.
eMoney Advisor can be integrated with other popular advisory services from Morningstar, Salesforce, Fidelity, Envestnet and more.
Money Tree
Fees | – $495 to $1,345 per advisor, per year |
Best For | – Multi-advisor firms |
Money Tree is an advisor platform that uses a three-pronged approach to financial planning. The software allows advisors to complete a big picture, in-depth and advanced cash flow analysis for their clients.
With Money Tree, advisors can create a financial plan independently of, or in collaboration with, their clients. The software also features an interactive tool that allows advisors to quickly and easily run “what-if” scenarios to determine different outcomes. The program’s design is also capable of helping advisors pinpoint the potential shortfalls in their clients’ financial plans and find solutions for closing the gap.
RightCapital
Fees | – Basic tier: $124.95 per advisor, per month – Premium tier: $149.95 per advisor, per month – Platinum tier: Call for pricing |
Best For | – Larger financial planning and wealth management firms |
Advisors can use RightCapital to develop financial plans through an innovative platform. It’s the software Jason Ball, a CFP at Ball Comprehensive Planning in West Linn, Oregon, uses for his clients. What he likes best about the software is its “ability to integrate accounts, client vaults and strategic tax planning for retirement planning.”
RightCapital also offers a mobile-friendly user-interface, which tech-savvy advisors may appreciate. The inclusion of tax planning tools is one of the most important things that sets the software apart from its competitors.
Bottom Line
Whether you do it yourself or work with an advisor, it’s important to build a comprehensive financial plan. Fortunately, there are several online services that make it easier to build a financial plan and track your saving and spending.
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Before you make a firm decision as to which software you want to partner with, it might be worth writing down what goals you want to plan for. By doing this, you can ensure that the benefits of whatever software you select align perfectly with your overall needs.
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Financial Planning Tips
- Consider working with a financial advisor to build a financial plan that’s tailored to your life. While financial planning software can help you get control of your money, it’s not a complete substitute for the human touch. SmartAsset’s advisor matching tool can connect you with up to three suitable advisors in your area. Get started now.
- Before selecting a financial planning software, assess your needs. For instance, are you looking for a program that focuses on weekly and monthly budgeting? Do you need something that includes long-term retirement planning and other tools to help you grow your wealth? The answers to these questions will lead you to the best options for you.
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