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Money tools that are powerful enough to actually use.

  • Full X-Ray of your business — one model of your cash, costs, customers and obligations that shows what breaks first, when and by how much — and the most cost-efficient change that fixes it, before you commit.
  • Crisis Optimizer — builds the cost plan that saves what you need with the least damage to sales, cash and your team, checked against your country's employment rules and projected 12 months ahead.
  • Undo — calculates what it would cost to get out of a commitment — today, in a month or later — so you know the price of turning back before you sign.
What do you need to solve?Point at a card to see every tool inside
200 business types · 31 free calculators · 70 free invoice designs · All 108 products and bundles →
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What do you need to solve?Swipe the circle — every tool is inside
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For business

Decisions, Cash Flow & Risks

Decisions & Cash Flow

Financing, Credit & Equipment

Business Resilience

Supplier & Payment Checks

Chargebacks & Payment Disputes

Free calculators

For business

Costs, Pricing & Profit

Cost Reduction & Profit Leaks

Online Sales & Wholesale Pricing

Service Quotes & Profit

Food Costs & Menu Profit

Suppliers & Quality Costs

Advertising & Customer Retention

Free calculators

For business

Contracts, Management & Books

Contracts, Commitments & Exit Costs

Creator Deals & Usage Rights

Business Management Books

For business

Taxes, Accounts & Invoices

Bookkeeping & Business Records

Invoices & Collections

Business Taxes

UK Tax

Reconciliation & Cash Closing

Free calculators

For business

Sales & Daily Operations

Retail & Wholesale

Food & Drink

Making & Stock

Field Jobs & Services

Projects & Schedule Recovery

Appointments & Sessions

Clients & Sales

Repairs & Workshops

Staff & Hours

Equipment Rental

For personal life

Budget, Debt & Savings

Budgets & Income

Debt & Loan Repayment

Savings & Net Worth

Bundles

Free calculators

For personal life

Home, Property & Life Admin

Property, renovation, weddings, household planning, medical bills and estates.

Property & Renovation

Home & Celebrations

Health Plans, Medical Bills & Estate

Family Care & Shared Costs

Free calculators

For personal life

ADHD, Planning & Wellbeing

ADHD & Everyday Planning

Habits & Routines

Burnout & Self-Care

Thoughts & Emotions

Bundles

For personal life

CV & Resume Builders

200 business types · 31 free calculators · 70 free invoice designs
All 108 products and bundles →

And many other tools your business needs in times of crisis and in times of growth and prosperity. A platform of effective decisions, not assumptions.

Browse our collection

What are you looking for?

Practical tools for a more organized, less stressful life.

Exclusive

Crisis Optimizer

The least-damage cost plan for your business, in your country

First run free
Subscription: $20 a month
Exclusive

Business Decision X-Ray

Test every decision on your real numbers before you commit: what breaks, when, and the most cost-efficient fix.

Open demo · no sign-up
From $40 a month
Exclusive

TidyCents Undo — The Cost of Turning Back

Before you put money in, see what it costs to change your mind — the exit cost of every option you are weighing, date by date: today, in a month, in six months.

First run free
$29.99

Business Defense

Serious tools that find what could break, drain or defraud your business — and what to do about it, in numbers.

Products: 11

Free calculators

Everyday money, self-employment tax, bookkeeping and student loans — with the working shown.

Tools: 31, all free
E-book (PDF)Only at
Tidy Centsnot sold anywhere else

Effective books for running a business

Practical books on how work really gets done: responsibility, decisions and teams. Read the first chapters free.

Products: 2

Invoice maker

Fill one in, print or save it as PDF — the totals and the tax compute themselves.

Designs: 70, all free
Happy Birthday

Greeting cards

Write the greeting yourself, then print it or send the link — business and family, every occasion.

Designs: 65, all free

Budget Spreadsheets

Excel + Google Sheets templates with dashboards, dropdowns and zero setup.

Products: 16

Budget Printables

Budget binders, savings challenges, cash envelopes and trackers — US Letter & A4.

Products: 8
Small Steps
Big Changes

ADHD Planners

Hyperlinked digital planners for GoodNotes/Notability plus printable editions.

Products: 4
A Calmer Mind
A Brighter You

Mental Health Workbooks

Burnout recovery, CBT journaling and self-care planning — evidence-informed.

Products: 5

Money Apps

Planners that open in any browser, work with no internet and keep your figures on your own device.

Products: 16

Resume Tools

Free résumé builder: 78 designer templates, your photo, your fonts and colours — download a PDF or email it to yourself. No sign-up.

Free CV maker

Small Business Kits

Practical tools for pricing, stock, orders, clients and daily business operations — interactive browser tools and Excel & Google Sheets kits.

Products: 61

Wedding & Event Planning

Everything for the big day in one file — budget, vendors, guest list, RSVP, seating and a full planning timeline. Excel & Google Sheets, any currency.

Products: 1

Real Estate & Rental

Analyze any property before you buy — rental, BRRRR, fix-and-flip and Airbnb in one file, with cap rate, cash-on-cash and IRR. Excel & Google Sheets, any currency.

Products: 4

Bundles

The same files together, always cheaper than buying them one at a time.

Products: 4

New · Business Decision X-Ray

Your business X-Ray — built for your exact type of business.

200 business types. No generic advice, no average benchmarks — only the specifics of your industry.

Not just a health check: model your plans and decisions, see the next 365 days of your cash before you commit — and get the most cost-efficient fix, verified.

Enter your business once. Then test every decision on your real numbers before you commit: what breaks, when, the most effective, cost-efficient repair — verified, and tracked after you decide. No AI guesses: every result is calculated and shows its working.

Find your business — then see the X-Ray on an example

See how it works
Works withQuickBooks
iConnect your QuickBooks Online company and your profile fills in from your real books in a minute. Read-only: we never change anything in QuickBooks, and you can disconnect at any time.

1 workspace

$40/ month

One business with its own complete model, decisions and history.

Full product · cancel any time

Buy now — $40 / month Open the demo
Works withQuickBooks
iConnect your QuickBooks Online company and your profile fills in from your real books in a minute. Read-only: we never change anything in QuickBooks, and you can disconnect at any time.

Up to 10 workspaces

$100/ month

Up to ten separate businesses — the price is the same whether you use two or ten.

Full product · cancel any time

Buy now — $100 / month Open the demo
Works withQuickBooks
iConnect your QuickBooks Online company and your profile fills in from your real books in a minute. Read-only: we never change anything in QuickBooks, and you can disconnect at any time.

Up to 50 workspaces

$350/ month

For portfolios and advisors — from 11 up to 50 separate businesses.

Full product · cancel any time

Buy now — $350 / month Open the demo

50+ workspaces

Contact us

For accountants, franchises and groups with more than 50 businesses — tell us what you need.

Tailored plan

Contact us
Every formula verified149,374 formulas checked by automated tests
Instant downloadLink on your confirmation page
Works everywhereExcel, Google Sheets, GoodNotes, print
Refund within 14 daysAny purchase, if you ask within 14 days; faulty files at any time

Try it before you pay anything

8 real working files, free. Not previews and not watermarked — actual pages and actual live formulas from the products themselves.

No card, no trial period, nothing expires. Print them, fill them in, keep them.

See the free files →
Budget Binder Starter (6 pages)ADHD Daily Planner page + brain dumpMonthly & weekly habit trackerBurnout self-assessment (3 pages)

What is going on with your money?

My income is different every month

Freelance, commission, tips or seasonal work. Pay yourself a steady amount out of an unsteady income.

Irregular Income Toolkit$29
I start systems and cannot keep them

Built around task initiation and time blindness, not willpower. One number a day, and nothing to back-fill.

ADHD Money System$27
I am digging out of debt

Snowball or avalanche, run month by month on your real balances, with the interest counted.

Debt Payoff Planner Spreadsheet$9.99
I just want a household budget that works

Twelve months on one dashboard: bills, categories, savings and what is actually left.

Ultimate Annual Budget Spreadsheet$14.99

All products → Budget Spreadsheets Budget Printables ADHD Planners Mental Health Workbooks Money Apps Resume Tools Small Business Kits Wedding & Event Planning Real Estate & Rental Bundles

Where to start

See all →

Why Tidy Cents instead of a $3 template?

Built to be used, not just downloaded

Every spreadsheet opens on a dashboard that already works, with sample data you replace in a minute. Every printable comes in US Letter and A4, colour and ink-saver.

Evidence, not hype

Our planners and workbooks name the research they are built on — from the 50/30/20 rule to CBT thought records and the standard three-part model of burnout.

Downloads: one price, lifetime updates

Spreadsheets and planners are bought once, re-downloaded forever, with every update free. Two web apps are monthly: Business Decision X-Ray (open demo first, no sign-up) and Crisis Optimizer (your first full run is free). Tidy Cents PRO is an optional subscription.

Save more with bundles

Curated sets at up to 91% below single prices.

See all →
48 products + future downloads

The Everything Bundle

All 48 Tidy Cents downloads — spreadsheets, printables, planners and offline apps — plus every new download released…

$59

48 products · $661.78 if bought separately
6 products

Money Binder Printable Bundle

6 products in one: Budget Binder, Savings Challenges Printable, Cash Envelope System, Debt Payoff, Christmas Budget &…

$19

6 products · $37.94 if bought separately

Didn't find the tool you need? We'll build it to your personal request

Order it →

Our videos

How it works

  1. 1Choose your files and pay by card, Apple Pay or Google Pay.
  2. 2Download instantly from your confirmation page (and any time later).
  3. 3Open in Excel / Google Sheets, GoodNotes, or print at home.

Questions people ask before buying

How do I get my files?

Right after payment you're returned to your order page with download buttons. The same link is saved for you — bookmark it or use 'Find my order' with your email. Files come as a ZIP; on iPhone/iPad tap it in the Files app to unzip.

Do the spreadsheets work in Google Sheets?

Yes. Every spreadsheet is built only with functions Google Sheets supports (no macros, no XLOOKUP). Upload the .xlsx to Google Drive, open it with Google Sheets and choose File → Save as Google Sheets. A one-page guide is included.

Can I pay by card without an account?

Yes. At checkout you can pay by debit or credit card, Apple Pay or Google Pay — no account needed. Visa, Mastercard, American Express and Discover are accepted in most countries. Your card details never touch our servers.

What's your refund policy?

Files are delivered the moment you pay. Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit. The full rules are on the Refund policy page.

Can I print on A4?

Every printable includes both US Letter and A4 files (plus a colour and an ink-saver version of each).

Is this a subscription?

The downloads are not: one payment, yours forever, with free updates. Business Decision X-Ray is a web app from $40 a month, with an open demo of every section first; cancel any time. Crisis Optimizer is a web app at $20 a month; your first full run is free. Tidy Cents PRO, which brings everything together, is an optional weekly, monthly or yearly subscription.