Taking charge of your finances is a life-long skill well worth learning. From keeping within a budget to managing your investments and loans; understanding a few basic concepts will put you in the driver’s seat. You need a tool to use those concepts. In the world of personal finance, spreadsheets are the tool of choice. Although Microsoft Excel is the industry standard, there’s a free tool available that works in Microsoft Windows, Mac OS X, and Linux: LibreOffice Calc
If you’ve never used a spreadsheet before, don’t be intimidated. Start with something simple and work towards more complicated topics. Take your time. The spreadsheets below were developed by members of the Bogleheads community.