Free Excel & Word Templates

• ROI Calculator — itemise up to eight costs and eight returns
• Compare Options — rank up to five investments side by side
• Worked examples — four cases, from an ad campaign to a rental flat
• Formula guide and checks — the maths in plain English, plus built-in self-tests

Paid template: Financial Model Template — a linked five-year P&L, balance sheet and cash flow.

• NPV Calculator — every discount factor and present value shown year by year
• Rate Sensitivity — NPV at nine discount rates, with a chart
• Compare Projects — four projects ranked by NPV and profitability index
• Worked examples, formula guide and checks — including the Excel NPV() timing trap

Paid template: Financial Model Template — a linked five-year P&L, balance sheet and cash flow.

• IRR Calculator — up to 30 years of cash flows; IRR, margin over your hurdle rate, NPV at the hurdle
• IRR Solver — the bisection steps that find the rate, so nothing is hidden
• NPV Profile and Compare Projects — NPV across discount rates with a chart, and four projects ranked side by side
• Worked examples, formula guide and checks — including when Excel’s IRR() can mislead

Paid template: Financial Model Template — a linked five-year P&L, balance sheet and cash flow.

• Payback Calculator — up to 30 years of cash flows; simple payback, discounted payback, NPV for context
• Recovery Chart — cumulative cash position, simple and discounted, year by year
• Compare Projects — four projects ranked by how fast they pay back
• Worked examples, formula guide and checks — including why discounted payback is always longer

• CAGR Calculator — beginning value, ending value and years; CAGR, total growth, growth multiple, doubling time
• Actual vs Smoothed — your real yearly figures against the smooth CAGR path, with a chart
• Compare — up to four series side by side, ranked by CAGR
• Worked examples, formula guide and checks — including Excel’s RRI() function

• EMI Calculator — loan amount, rate and term; monthly payment, total interest, first and last payment split
• Rate and Term Grid — the monthly payment across six rates and eight terms, from 1 to 20 years
• Compare Loans — four loan offers side by side by payment and total interest
• Worked examples, formula guide and checks — including Excel’s PMT, IPMT and PPMT functions

Paid template: Loan Amortization Schedule Template — every payment, the true cost of the loan and the effect of extra payments.

• ROA Calculator — ROA on average and closing assets, profit per 1 of assets and a sensitivity grid
• DuPont Breakdown — net margin × asset turnover, and how debt turns ROA into ROE
• Compare — up to four companies ranked by ROA, with ROE and the equity multiplier
• Worked examples, formula guide and checks — including the sale-and-leaseback trap

Paid template: Financial Ratio Analysis Template — 21 financial ratios from one sheet of figures.

• ROE Calculator — ROE on average and closing equity, profit per 1 of equity and a sensitivity grid
• DuPont Breakdown — net margin × asset turnover × equity multiplier
• Compare — up to four companies ranked by ROE, with ROA and how much debt sits behind each
• Worked examples, formula guide and checks — including the leverage and buyback traps

Paid template: Financial Ratio Analysis Template — 21 financial ratios from one sheet of figures.

• Working Capital Calculator — working capital, current and quick ratios, and what the cushion is made of
• Growth Cash Need — the extra cash a higher revenue level will tie up
• Monthly Trend — twelve months of working capital and both ratios, with a chart
• Worked examples, formula guide and checks — including why growing businesses run out of cash

Paid template: Working Capital Management Template — how many days your cash is tied up, month by month.

• Compound Interest — future value, interest, effective annual rate and doubling time, plus every compounding frequency side by side
• Year by Year — deposits, interest and balance at the end of every year, for up to 100 years
• Worked examples, formula guide and checks — including an independent check against Excel’s FV function

• Present Value and Future Value — both directions, any compounding, contributions at the beginning or end of each period
• Regular Contributions — what a payment stream grows to, what it is worth today, and the payment needed for a target
• Worked examples, formula guide and checks — including independent checks against Excel’s PV and FV functions

• Gross Margin Calculator — gross margin, gross profit, equivalent markup and margin at nine price changes
• Product Mix — margin by product for up to 20 lines, with the blended margin and loss-making lines flagged
• Discount Impact — the extra volume a price cut needs just to keep gross profit level
• Worked examples, formula guide and checks — including why margin is not markup

Paid template: Profit & Loss Statement Template — a twelve-month P&L with margins and EBITDA.

• Profit Margin Calculator — net, gross and operating margin, with the profit ladder in cents per sales dollar
• Monthly Trend — twelve months of all three margins, with a chart
• Worked examples — one business, three margins; two businesses at 10%; what debt does to net margin
• Formula guide and checks — the maths in plain English, plus built-in self-tests

Paid template: Profit & Loss Statement Template — a twelve-month P&L with margins and EBITDA.

• Markup Calculator — selling price, profit, the markup as a margin and the price for your target margin
• Conversion tables — markup to margin and margin to markup for common percentages
• Price List — price up to 25 products from cost and target margin
• Worked examples, formula guide and checks — including what confusing markup and margin costs

Paid template: Break-Even Analysis Template — your break-even volume and how a price change moves it.

• Break-Even Calculator — break-even units and revenue, contribution, target-profit units and a revenue vs cost chart
• Margin of safety — expected profit and how far sales could fall before a loss
• Sensitivity — break-even across price and variable-cost changes, and three levers compared
• Worked examples, formula guide and checks — the article’s three examples, rebuilt

Paid template: Break-Even Analysis Template — your break-even volume and how a price change moves it.

• EBITDA Calculator — EBITDA, EBIT, EBITDA margin and add-backs, with the build-up from net income
• Adjusted & Cash — an adjusted-EBITDA reconciliation and the cash genuinely left after capex, interest and tax
• Worked examples — two companies with identical EBITDA and very different net profit
• Formula guide and checks — the maths in plain English, plus built-in self-tests

Paid template: Profit & Loss Statement Template — a twelve-month P&L with margins and EBITDA.

• Revenue Growth Calculator — growth, change in revenue, growth per period, revenue multiple and a compounding table
• Growth History — up to 36 periods with period growth, the compound rate and a chart
• Worked examples — year on year, what 5% a month really means, and the base effect
• Formula guide and checks — the maths in plain English, plus built-in self-tests

Paid template: Sales Forecast Template — a twelve-month forecast with per-product growth and seasonality.

• Percentage Calculator — % of a number, what % one number is of another and % change, plus reversing an increase and percentage points
• Change Table — change vs the previous period and vs the first for up to 24 values, with the compound average
• Worked examples, formula guide and checks — the four examples from the article, rebuilt

• Discount Calculator — sale price, two discounts combined and % off, plus the original price behind a sale price
• Seller’s view and Price List — what a discount does to profit per unit, and a discount applied to up to 25 items
• Worked examples, formula guide and checks — the four examples from the article, rebuilt

• Salary to Hourly and Hourly to Salary — hourly, daily, weekly, monthly and annual pay, plus the rate per hour actually worked
• Assumptions & Reference — paid hours a year for common schedules, and every formula used
• Worked examples and checks — the four examples from the article, rebuilt, plus built-in self-tests

Paid template: Payroll Management Template — gross-to-net pay for up to forty employees.

• VAT Calculator — add VAT, remove VAT or find the rate on an invoice, plus the multipliers for your rate
• Invoice Rounding — VAT rounded on each line vs once on the total, for up to 20 lines
• Worked examples, formula guide and checks — the four examples from the article, rebuilt

Paid template: Professional Invoice Template — a self-totalling invoice with a tax rate you control.

• Setup, Budget and Actuals — 12 months, up to 8 income sources and 25 categories
• Summary — budget vs actual, overspending flags, savings rate and a monthly chart
• 32 data checks, with clearly labelled sample data you can clear

• Professional CV — summary, skills and achievement-focused experience
• Graduate / Student CV — education, projects and internships first
• Guide with writing tips and UAE/GCC, Pakistan and UK notes

• Matching name and contact header
• Four guided paragraphs with short examples
• Guide on greetings, length and checks before sending

• Formal resignation letter with notice period and last working day
• Short version for a brief letter
• Handover checklist and good-practice guide (not legal advice)

• Requester, payee, cost centre and supporting-document fields
• 8 line items with automatic subtotal, optional VAT and total
• Form check plus prepared / checked / approved sign-off

• Request details with budget code and required-by date
• 10 item lines with automatic estimated totals and optional VAT
• 3 supplier quotes, form check and four-step approval

• Two vouchers per A4 page with sign-off
• 50-line register with running balance and top-ups
• Cash count: balanced, short or over, and top-up needed

• Meeting details, objective, attendees and apologies
• Agenda with discussion and decision blocks
• Action items table with owner, due date and status

• Opening balance, safety cushion and 12 months of money in and out
• Lowest projected balance, first problem month and extra cash needed
• Chart and 13 data checks, with labelled sample data

• Up to 8 debts with balance, rate and minimum payment
• Snowball vs Avalanche: debt-free date, interest and payoff order
• Month-by-month schedules for both methods and 13 checks

• Room for 500 purchases with date, category and amount
• Monthly totals by category, category share and average purchase
• Editable household categories and 12 data checks

• Salary Increase and Promotion Request letters
• Experience Certificate and NOC Request letters
• Leave Application with dates, reason and handover
• Clear [placeholders] and a short How to Use guide