I found this detailed, single page, household budget template for Numbers on the iwork templates blog. The author states that it was converted from an Excel file, so it doesn’t display a lot of the Numbers formating flash. Still, if you are looking for a simple budget, this template may be just what you are looking for.

Edit: The download link on the site was dead, so I am posting a copy here.

Download:

Download the Household Monthly Budget Template for Numbers ’09 and Numbers for iPad

Download the Household Monthly Budget Template for Numbers ’08

The Loan Grid Worksheet template allows you to quickly visualize alternatives when considering a loan.

For instance: You are considering a loan of $12,000 at 8% interest for a term of 60 months. There are many loan amortization spreadsheets that you could plug these numbers into and see that the payment amount would be $243.32 per month.

What if you wanted to know what the payment would be at 7.75% interest? You would change the interest rate in your sheet and see that payment would be $241.88 per month. Ok, how about $12,500 at 8%?

You can see that it can become tedious to look at a lot of loan scenarios with a standard loan calculator.

The Loan Grid Worksheet solves this problem by allowing you to look at 121 different loan payment scenarios simultaneously.

Usage:

The Loan Grid Worksheet consist of two tables.

The first table allows you to input your loan parameters such as Principal Amount, Interest Rate, and Number of Payments. It also includes two fields which effect how the grid table displays your scenarios: Interest Increment and Principal Increment. These are defaulted to 0.25% and $500 respectively, but you may want to change them depending on the type of loan you will be calculating.

The second table displays a grid with the payment results of your input, plus various scenerios based on your increment amounts.

The actual payment amount is displayed in the center of the gris and highlighted in yellow. Around this cell are varying payment amounts. For instance, in this screen shot, the payment amount is $243.32 based on a principal amount of $12,000, and interest rate of 8% and 60 payments. if you wanted to know how much an extra 0.25% interest would cost you per month on the same $12,000, you would find the $12,000 in the left-most column, then find the 8.25% rate in the top column. The cell where they intersect will be the payment amount. In this case, $244.76.

You can download the Loan Grid Worksheet below.

Download Loan Grid Template for Numbers

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Do you have a cool tip or formula to share? Join us in the forums!

Forum member Yogimartin has posted his personal finance template on the forums. It is very detailed, and weighs in at a whopping 3.9 MB unzipped. **Fair warning: you need a fast Mac to run this.**

It allows the user to track their checking, savings, credit cards, investments and real estate by month. All of the monthly data is consolidated in two report sheets. This is a big upgrade for anyone looking for more firepower than our Checking Account Register.

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Edit 12/16/2008: The file is no longer available on the forums, so here is a direct link: Apple Numbers Personal Finance Template. I again warn you that this file is very large and may run slowly on some macs.
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You can read Yogimartin’s post on the forums.

As always, we invite you to join the discussions.

This is a simple net worth calculator template.

Usage:

Enter the estimated value of your assets in the left table. Enter the estimated value of your liabilities in the right table.

The sheet will then subtract your total liabilities from your assets, and display your estimated net worth in the upper right hand corner.

Download Net Worth Calculator Template for Numbers

Mortgage Refinance Calculator:

Should you refinance your mortgage?

The mortgage refinance calculator template lets you compare your current mortgage loan to a new one. It then displays the difference in payments, and the number of months it will take to recoup any closing costs.

Usage:

The template requires eight inputs:

• The original loan amount of your current mortgage
• The interest rate of your current mortgage
• The loan term (in years) of your current mortgage
• The total months you have already paid on your current mortgage
• The interest rate of your proposed mortgage
• The loan term (in years) of your proposed mortgage
• The points you will have to pay on your proposed mortgage
• Any other costs associated with your proposed mortgage (attorney, title, etc)

The template will calculate the following:

• Your current mortgage amount, which will be used to calculate the payment on your proposed mortgage
• Your current and proposed loan payments
• The difference in payments on your current and proposed loans
• The months to recover your closing costs (points + other costs)

Download Mortgage Refinance Calculator Template for Numbers

By request. This is a simple spreadsheet to keep a record of your checking account transactions

Usage:

• Enter a beginning balance, and date, in the upper right hand corner of the sheet.

• Enter transactions as they occur, the running balance will be calculated for you.

• Check the check box for the transactions as they clear the bank.

You may want to keep a different sheet for each month. Otherwise, when you reach the bottom, add more rows, and copy the formulas down.

Download Check Account Register Template

NEW VERSION ADDED 8/23/2007

One of the most glaring missing features of Apple iWork Numbers ’08 is the ability to get data into the sheet from outside sources. A very common need is to pull in stock quotes, then manipulate the data. While, I have not found a way to do it directly, I have developed a temporary method until Apple fixes this is later versions.

***Introduction***
The fix involves using a predefined stock table, a specifically formated Yahoo Finance url, and an Automator workflow that takes the url and retrieves a comma separated file, that is then opened in Numbers. Got that?

***File Content***
The zip file at the end of the post contains four two files:

* Read Me.rtf – This contains instructions similar to what you are now reading.
* Get-Quotes.app – A ready to run Automator app.
* Get-Quotes.workflow – The Automator workflow, in case you want to modify it.
* Stock Quotes.numbers – The sheet into which you will enter your data.

***Usage***
***Edited 8/23/2007***

1) Enter up to 15 symbols in the stock table.
2) The URL will build dynamically.
3) Click on the URL, which will open in your default browser.
4) Tell your browser to open the CSV file with Numbers, if it is not your default program.
5) Copy the resulting table into your stock table, and clean up any formatting.
6) Close the new window.

Note: If you want to learn more about the Yahoo url format, check out this awesome resource.

You are free to play around with this however you wish. However, since I just started the blog, I would appreciate you linking back to this article if you find it helpful.

Also, I want to keep the content fresh, so if you have any Numbers templates, tips or tricks you would like to share, drop me a line at: contact [at] numberstemplates.com

* Update 8/21/2007: Added pause to Automator action before deleting csv file. Thanks Timo!
* Update 8/23/2007: Made url clickable, Automator action no longer necessary.

Download Get Stock Quotes Template

The loan amortization schedule template is based on an Excel worksheet that can be found here. Feel free to use it or modify it in any way.The sheet is suitable for calculating both short term loan amortizations, such as a car loan, as well as mortgage amortization schedules of up to 30 years. It also allows you to add extra payments, so you can run what if scenarios.

Usage:

Type your loan parameters into the “Enter Values” table, and the sheet will do the rest.

I have not been able to figure out a way to have tables grow or shrink automatically, so the amortization schedule displays 361 rows. Use a page range when printing loans with a term shorter than 30 years.

***Update 8/20/2007: Fixed download link, reset download count to zero. Thanks Douglas!***

Download Loan Amortiztion Schedule for Numbers