Make big money decisions
with numbers, not guesswork.
Buying a home, choosing between job offers and picking a health plan are three of the biggest financial decisions most people face, and a wrong choice can cost thousands. These spreadsheets let you test the numbers before you commit.
Financial Decision Toolkit
Three Excel spreadsheets in one download.
- ✓ Home Buying Decision Planner
- ✓ Job Offer Comparison Planner
- ✓ Health Plan Chooser
Why these decisions feel so hard
You are asked to choose once, with incomplete information, and the choice affects you for years.
Hidden costs
A home loan approval does not show repairs, insurance and taxes. A salary does not show your take-home pay. A low premium does not show what a hospital stay costs.
Confusing tax rules
Payroll tax, tax brackets, deductions and HSA savings all change what you actually keep, and most simple calculators ignore them.
No way to test "what if"
What if you lose income, rates rise, or you need surgery? Each spreadsheet lets you try those situations before they happen.
One spreadsheet for each decision
🏠 Home Buying Decision Planner
Can I afford this home, and is buying better than renting?
The problem
Lenders tell you what you can borrow, not what you can comfortably afford. The real cost includes property tax, insurance, upkeep and closing costs, and you still need cash left over for emergencies. Many buyers only find out after they have signed.
Best for: first-time buyers and anyone weighing a move.
How it helps
- A clear verdict: Looks ready, Proceed with caution or Not ready yet
- A seven-point scorecard with advice on anything that falls short
- A stress test: income drop, rate rise, big repair bill
- A 30-year rent-vs-buy comparison with US tax effects
- Side-by-side mortgage offers, points and extra payments
💼 Job Offer Comparison Planner
Which job is really worth more?
The problem
The salary on the offer letter hides taxes, benefits, bonus and equity risk, commute costs and the cost of living where you will work. The bigger number is not always the better job.
Best for: anyone comparing offers or deciding whether to leave a job.
How it helps
- Compare up to four options, with your current job as the benchmark
- After-tax take-home using 2026 US federal, payroll and state tax
- Counts 401(k) match, HSA money, health costs, commute and cost of living
- Shows your effective hourly pay once commute time is included
- A negotiation helper: the raise or signing bonus needed to match a better offer
🏥 Health Plan Chooser
Which plan will cost me least, and can I handle a bad year?
The problem
The lowest premium is not always the cheapest plan. Deductibles, coinsurance and out-of-pocket limits decide what you pay when you need care, and a health savings account (HSA) changes the maths again.
Best for: open enrollment season and new jobs.
How it helps
- Compare up to four plans across five types of year, from healthy to catastrophic
- See the cheapest plan on average, if healthy, and in the worst case
- Counts HSA tax savings and employer contributions (2026 limits)
- A cost curve shows where the cheapest plan changes as bills grow
- A safety check against your savings, plus an enrollment checklist
What every spreadsheet includes
- A Start Here tab with step-by-step instructions
- Example numbers, so you can see how it works before entering your own
- Yellow cells you type in; everything else is calculated for you
- A Tax & Rules tab with 2026 US figures you can update each year
- A glossary that explains every term in plain English
- Formulas that were cross-checked against an independent calculation
How it works
- Buy once. One payment of $24.99 (USD) covers all three spreadsheets.
- Download instantly. You get the three Excel files straight after purchase.
- Fill in the yellow cells. Follow the Start Here tab and read your result.
Questions
What do I need to use them?
Microsoft Excel on a computer is recommended. The files also open in LibreOffice. Google Sheets can import them, but some formatting may look different.
Is this financial advice?
No. These are educational planning tools. They show what your numbers imply, but they do not replace advice from a licensed financial, tax or insurance professional, and they cannot guarantee any result.
Which country are they for?
The tax and rules tabs are set up for the United States, tax year 2026. The structure can still help elsewhere, but you would need to change the tax figures yourself.
Can I change the numbers and assumptions?
Yes. Every input is a yellow cell, and the tax figures sit on one tab so you can update them.
Can I share the files?
They are licensed for your own personal use. Please do not resell or redistribute them.
Who do I contact with a question?
Email apsopensun@gmail.com.
Try the numbers before you commit
Three spreadsheets, one payment, instant download. Questions first? Write to apsopensun@gmail.com.
Get all three for $24.99