Learn, Calculate & Get Things Done
Practical finance, business, Excel, accounting and career resources from BabaDigit.
Explore resources by topic
Find the calculators, free downloads and templates that fit what you are working on.
Finance & Investment
Evaluate investments and borrowing: returns, discounted cash flows, payback and loan costs.
Business & Accounting
Understand costs, margins and profitability, and prepare core financial statements.
Excel & Financial Analysis
Work in Excel with free calculator workbooks and templates for modelling and ratio analysis.
Personal Finance
Plan a household budget, track spending, forecast your cash and pay down debt.
Business Administration
Everyday office forms for payments, purchasing, petty cash and meetings.
Career
Word templates for job applications and common workplace requests.
Featured free tools
A selection of BabaDigit’s financial and business calculators, free to use online without signing up.
ROI Calculator
Work out the Return on Investment for any project, campaign, or purchase in seconds.
Open calculator →NPV Calculator
Find out whether a project’s future cash flows are worth more than what it costs today.
Open calculator →IRR Calculator
Find the discount rate at which a project’s cash flows break even.
Open calculator →Break-Even Point Calculator
Find out how many units you need to sell before you start making a profit.
Open calculator →Loan / EMI Calculator
Estimate your monthly loan installment (EMI) and total interest cost over the loan term.
Open calculator →Working Capital Calculator
Check whether a business has enough short-term assets to cover its short-term liabilities.
Open calculator →Profit Margin Calculator
See what share of every sales dollar actually reaches the bottom line.
Open calculator →VAT Calculator
Add VAT to a price, remove it from a VAT-inclusive total, or check the VAT on an invoice — at any rate you enter.
Open calculator →Featured free downloads
A selection of free Excel workbooks and Word templates. Each one is free to download, with no sign-up.
ROI Calculator Excel Workbook
Work out return on investment, net profit, annualised ROI and return per $1.
Break-Even Calculator Excel Workbook
Find break-even units and revenue, contribution per unit and the units needed for a target profit.
Personal Budget Planner Excel Workbook
Plan 12 months of household income, spending and saving, then track budget vs actual, your savings rate and your needs/wants/savings split.
Petty Cash Voucher & Register (Excel)
Printable petty cash vouchers, a running-balance register and a cash count that shows whether the float balances.
CV / Resume Templates (Word)
Two ATS-friendly, one-column Word CV templates: one for experienced professionals, one for students, graduates and interns.
Workplace Request Letters Pack (Word)
Five editable workplace letters in one Word file — salary increase, promotion, experience certificate, NOC and leave — each on its own A4 page.
Practical guides
Step-by-step explanations with worked examples, connected to BabaDigit’s free calculators and templates.
13-Week Cash Flow Forecast: How to Build a Rolling Forecast in Excel
What a 13-week forecast is, the information you need, a step-by-step weekly method and a complete worked example with checks.
Read the guide →Accounts Receivable Aging Report: How to Build and Use One
How aging buckets work, Excel formulas, a fully worked example with checked totals, collection priorities and DSO.
Read the guide →Bank Reconciliation: How to Reconcile Your Bank Statement Step by Step
Common reconciling items, a step-by-step method, a worked two-sided example and how to find and fix differences.
Read the guide →How to Build a Sales Forecast in Excel
A 12-month sales forecast built from your own history, with a seasonal index, a growth assumption and a fully worked Excel example.
Read the guide →Balance Sheet Format in Excel: How to Build One Step by Step
The standard balance sheet layout, subtotal formulas, a balance check, the retained earnings link and a fully worked Excel example.
Read the guide →Professional Excel templates
When you need more than a quick calculation, BabaDigit’s paid Excel templates give you a complete, ready-to-use workbook.
Investment Appraisal Template
Appraise any capital project in Excel: year-by-year free cash flow, NPV, IRR, MIRR, payback and profitability index, with Base, Best and Worst scenarios and a tornado sensitivity analysis.
Professional Invoice Template
A professional invoice that totals itself, remembers your details, and prints cleanly — with a tax rate you control rather than one baked in.
Loan Amortization Schedule Template
See exactly where every loan payment goes, what the borrowing really costs, and how much an extra payment each month would save you.
Business Budget Planner Template
A twelve-month budget, what actually happened, and the gap between them — with every variance marked favourable or adverse in plain English.