Three Bucket Budget
Every paycheck, three buckets. Done.
Plug in your take home pay. The sheet splits it into needs, wants, and future-you, using the exact percentages that actually work for pharmacy salaries.
OpenCalculators
Run your actual numbers.
Six calculators built for pharmacy salaries, pharmacy schedules, and pharmacy debt loads. Free to use. Your data never touches this site.
Debt Snowball
Watch the payoff date move closer every time you throw a bonus at it.
List your debts, pick a snowball or avalanche order, and the sheet tells you the month you are free. Add a one time extra payment and watch the date jump.
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Emergency Fund
How long until your worst case stops being your worst case.
Pick a three month, six month, or custom target. The sheet calculates the monthly contribution and the date you actually hit the number.
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Car Budget
What car you can actually afford, not what the dealer says.
Twenty percent down, four year loan, ten percent of income on total transportation. Enter your salary. The sheet prints the max sticker price.
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Housing Budget
What the bank will approve vs. what your life can actually carry.
Twenty eight percent housing ratio, thirty six percent total debt ratio. Enter income and debt payments. The sheet prints the max monthly housing cost you can safely take on.
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Student Loan Refi
Current rate vs. refi rate vs. do nothing. The real number.
Plug in your current balance, rate, and term. Compare against a refinance quote. The sheet shows lifetime interest savings and the breakeven if the refi carries fees.
OpenA note about the format
Today, all six calculators live on Google Sheets. When you open one, make a copy to your own Drive so your numbers stay yours.
Downloadable Excel versions are on the roadmap so you can run these offline, without a Google account. Subscribe on the resources page and you will hear first when they are live.