BUNDLE Essential Money Toolkit - 7 Personal Finance Spreadsheets: Emergency Fund, Budget, Debt Vs Invest, Coast FIRE, Tax Planner Excel

Seller's description

Seven money questions, seven answers, one download. The Kollaz Essential Money Toolkit Bundle is seven Excel spreadsheets. They cover your emergency-fund runway, safe-to-spend cash, impulse buys, subscriptions, coast-to-retirement number, debt-vs-invest decision, and quarterly taxes, at 42% off the individual prices.

This is for someone who wants their entire money system (budget, debt, investing, taxes) in one purchase instead of buying seven separate tools.

**SEVEN MONEY TOOLS. ONE DOWNLOAD. 42% OFF.**

Buying these separately costs US$51.93. The Essential Money Toolkit gives you all seven for US$29.99. You save US$21.94.

This is the complete Kollaz starter system. Know your runway and know what you can spend today. Stop impulse buys and kill wasteful subscriptions. Check if you can coast to retirement, settle debt-vs-invest once and for all, and set aside the right tax money every quarter. Seven questions, seven answers, one download.

**WHAT'S INSIDE: THE 7 TOOLS**

1. **Emergency Fund Runway (US$7.99):** How many months could you survive? Enter savings + monthly essentials. Get your runway in months, funded-by dates for 3/6/9-month targets, and job-loss stress tests.
2. **Safe-to-Spend Paycheck (US$6.99):** One subtraction: balance minus bills due before payday minus a buffer. See your spendable number today + safe daily spend until payday.
3. **Impulse Cool-down Tracker (US$5.99):** A 24-hour cool-down for every want. Log it, wait, decide, and see each price in hours of your life.
4. **Subscription Audit (US$7.99):** Waste Score (0–100) ranks every subscription worst-offenders-first, with exact annual savings and a Cancel Scripts playbook.
5. **Coast FIRE (US$6.99):** Your coast number, progress %, dollar gap, and crossover age from 5 inputs, with a 40-year projection and a plain-English verdict.
6. **Debt vs Invest (US$6.99):** Pay off debt or invest? Get a 5-year net-worth comparison with your personal break-even rate and a clear verdict in 60 seconds.
7. **Quarterly Tax Set-Aside (US$8.99):** For the self-employed. Covers quarterly estimated payments, IRS due dates, and safe harbor from your income.

**HOW THE SEVEN WORK AS A TEAM**

Month one: the Subscription Audit finds the money you're leaking, the Impulse Tracker stops new leaks, and Safe-to-Spend tells you what's actually spendable day to day. The Emergency Fund calculator turns the savings into a runway target. Then the big questions: Coast FIRE for the long game, Debt vs Invest for the medium game, Quarterly Tax so the IRS never surprises you. One system, seven lenses.

**EASY TO START: NO SPREADSHEET EXPERTISE NEEDED**
Everything you touch is a cream-colored cell. Type over the sample numbers, follow each workbook's Start-Here tab, and the plans build themselves.

**YOUR FIRST 60 SECONDS**
• Google Sheets: File → Make a copy, then type your numbers into the cream cells.
• Excel: click Enable Editing, then type your numbers into the cream cells.

**COMPATIBILITY**
Every workbook in this bundle passed a live Google Sheets import test and a real Excel review before its individual launch (Sept 2026). The files you download are the exact launched versions.

**WHAT YOU GET: INSTANT DOWNLOAD (1 ZIP)**
- All 7 workbooks (Excel): emergency-fund-runway-calculator, safe-to-spend-paycheck-calculator, impulse-cooldown-tracker, subscription-audit-calculator, coast-fire-calculator, debt-vs-invest-calculator, quarterly-tax-set-aside-calculator
- 3 per-tool quick-start READMEs (safe-to-spend, impulse, subscription) + bundle README
- Sample data pre-loaded in every workbook. Overwrite the cream cells with your own numbers.

**TRY BEFORE YOU BUY: LIVE VIEW-ONLY DEMOS**
- Emergency Fund Runway: https://docs.google.com/spreadsheets/d/1vgh_UPuvLdrzy7ZS1CSR9IRwF1fcjRKW/edit?usp=sharing
- Safe-to-Spend Paycheck: https://docs.google.com/spreadsheets/d/1ZCyWO9mvotzdJQXSUMGtFjARjYkTiceF/edit?usp=sharing&ouid=11040
- Impulse Cool-down Tracker: https://drive.google.com/file/d/1HRwWmiA-Y6U5G0me8rNAJMHnmcAdl1BE/view?usp=sharing
- Subscription Audit: https://docs.google.com/spreadsheets/d/1XeUC8f_Su3Ftdy0Eeeg73eWworZd3WG6FMwcIw8A-r4/edit?usp=sharing
- Coast FIRE: https://docs.google.com/spreadsheets/d/173wt8bwVJlYk7rdK6PeIW8S6aiJbIubrRwIulu4r_PA/edit?usp=sharing
- Debt vs Invest: https://drive.google.com/file/d/1dWlHvVzFxqEgV0yNG5dFAFqI0XCo-m3z/view?usp=sharing
- Quarterly Tax Set-Aside: https://docs.google.com/spreadsheets/d/11GPQhlUxnnazzCaPmDLvTM4nY8irRqiJv6skoQYIFLk/edit?usp=sharing

**PLEASE NOTE**
- The Quarterly Tax tool covers US federal estimated taxes; the other six tools work in any currency.
- These are educational planning tools, not financial, tax, or legal advice. Tax rules are based on published 2026 guidance and can change, so confirm with a professional before acting.
- Digital product. No physical item will be shipped. All sales final on digital downloads.

*Built by the Kollaz studio. Smart financial tools for modern money.*

Is there a bundle that covers budgeting, debt, and retirement in one purchase?
Yes. Seven tools in one ZIP: Emergency Fund Runway (survival months + job-loss stress tests), Safe-to-Spend Paycheck (your spendable number today), Impulse Cool-down Tracker, Subscription Audit (Waste Score 0–100 + cancel scripts), Coast FIRE, Debt vs Invest, and Quarterly Tax Set-Aside.

How do the seven work as a team?
Month one: the Subscription Audit finds the money you're leaking, the Impulse Tracker stops new leaks, and Safe-to-Spend tells you what's spendable day to day. The Emergency Fund calculator turns the savings into a runway target. Then Coast FIRE for the long game, Debt vs Invest for the medium game, and Quarterly Tax so the IRS never surprises you.

What do I save versus buying separately?
Buying these separately costs US$51.93. The bundle gives you all seven for US$29.99. You save US$21.94 (about 42%).

Do I need spreadsheet skills?
No. Everything you touch is a cream-colored cell. Type over the sample numbers, follow each workbook's Start-Here tab, and the plans build themselves.

Q: Can I try the tools before I buy?
A: Yes. Live view-only demos for all seven tools are in the description (Emergency Fund Runway, Safe-to-Spend Paycheck, Impulse Cool-down Tracker, Subscription Audit, Coast FIRE, Debt vs Invest, Quarterly Tax Set-Aside).

Q: Are these the same files as the individual listings?
A: Yes. The exact launched versions of all seven workbooks, plus per-tool quick-start READMEs and a bundle README.

Q: Does it work for non-US buyers?
A: The Quarterly Tax tool covers US federal estimated taxes; the other six tools work in any currency.

Q: Is this financial advice?
A: No. These are educational planning tools. Tax rules are based on published 2026 guidance and can change, so confirm with a professional before acting.

Contents: 7 workbooks (Excel): emergency-fund-runway-calculator, safe-to-spend-paycheck-calculator, impulse-cooldown-tracker, subscription-audit-calculator, coast-fire-calculator, debt-vs-invest-calculator, quarterly-tax-set-aside-calculator
Plus: 3 per-tool quick-start READMEs (safe-to-spend, impulse, subscription) + bundle README
Compatibility: every workbook passed a live Google Sheets import test and a real Excel review before its individual launch (Sept 2026); the files are the exact launched versions
Sample data: pre-loaded in every workbook. Overwrite the cream cells with your own numbers.
Region: Quarterly Tax tool = US federal estimated taxes; the other six work in any currency
Maker: Kollaz: Smart financial tools for modern money
Delivery: instant digital download (1 ZIP)
Value: US$51.93 individually → US$29.99 bundle (save US$21.94, ~42%)