Free spreadsheets
Five templates built for Australian money, not adapted from an American one. Super counts as an asset, HECS counts as a debt, and the budget assumes you're paid fortnightly. Excel or Google Sheets, no account needed.
The Snowball Net Worth Tracker
One tab, twelve months, every asset and debt Australians actually have. Super and HECS included, because leaving them out is how people fool themselves.
Excel and Google Sheets (.xlsx), 10 KB
New to this? Read the guide first.
The Snowball Budget Planner
Planned against actual, with the savings rate worked out for you. Built for fortnightly pay, which is where most budget templates quietly go wrong.
Excel and Google Sheets (.xlsx), 10 KB
New to this? Read the guide first.
The Snowball Portfolio Tracker
Twenty holdings, cost base, gain and loss, and the allocation breakdown most people are wrong about. Prices typed by hand, so nothing breaks silently.
Excel and Google Sheets (.xlsx), 11 KB
New to this? Read the guide first.
The Snowball Deduction Log
Log a deduction the day you spend it, not the night before you lodge. Work-use percentage and a category breakdown, ready for your agent.
Excel and Google Sheets (.xlsx), 11 KB
New to this? Read the guide first.
The Snowball Debt Recycling Ledger
Split by split: what was drawn, when, and exactly what it bought. The paper trail is the entire point, and it's the part people skip.
Excel and Google Sheets (.xlsx), 10 KB
New to this? Read the guide first.
General information only, not financial or tax advice. The deduction log and the debt recycling ledger are record-keeping tools: anything significant belongs with a registered tax agent.