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Choose Better Tools and Build Smarter Spreadsheets

Take control of your money with practical spreadsheets.

CashHeaven helps you compare software, improve financial habits, and create useful Excel and Google Sheets workflows. Explore our Software & Tools guide for a practical buying checklist.

Budget & Cash Flow

Know where your money goes.

Build a simple system to track income, expenses, bills, and monthly cash flow.

Start here if you want to:

• Build a monthly budget
• Track spending
• Plan around payday
• Manage irregular income
• Understand your monthly cash flow

Debt & Credit

See exactly what you owe and build a plan to get ahead.

Use spreadsheets to organize credit cards, loans, balances, payments, and payoff scenarios.

Start here if you want to:

• Track credit cards
• Calculate credit utilization
• Compare debt snowball vs. avalanche
• Create a debt payoff plan
• Understand how extra payments affect your debt

Saving & Safety

Build financial breathing room.

Turn savings goals into numbers you can track and automate.

Start here if you want to:

• Build an emergency fund
• Automate your savings
• Create sinking funds
• Save for a specific goal
• Track your progress over time

Templates

Don’t want to build everything from scratch?

Use ready-made CashHeaven spreadsheets designed for real personal-finance problems.

You’ll find tools for:

• Budgeting
• Cash flow
• Credit cards
• Debt payoff
• Emergency funds
• Savings goals
• Net worth

• Financial planning

Start With Your Financial Dashboard

Your finances are easier to manage when you can see everything in one place.

Track your income, expenses, budget, savings, debt, and net worth from one dashboard.

Who’s Behind CashHeaven?

I’m Jonas. I’m an Excel expert with a Master’s degree in Quantitative Finance and a serious affection for spreadsheets.

I created CashHeaven to make personal finance more practical: less vague advice, more numbers you can actually see, calculate, and use.

Not Sure Where to Begin?

If you know:

what comes in → what goes out → what is left

everything else becomes easier to plan.