Personal Finance Decision Tools | 3 Simple Excel Tools for Real-Life Money Decisions

Personal Finance Decision Tools

Some money decisions need more than “feeling ko okay naman.”

Personal Finance Decision Tools is a set of 3 simple Excel tools designed to help you look at your own numbers, compare what actually changes, and make a more informed decision.

No daily tracking.

No complicated dashboards.

No advanced Excel skills needed.

Just open the tool for the question you’re trying to answer, enter your information, and see the decision more clearly.

The 3 questions inside

1. Should I Take This Job Offer?

Compare your current job with a new offer beyond the headline salary.

Look at factors such as pay, work-related costs, time commitment, commute, flexibility and other practical considerations.

Where applicable, you can also turn on an optional Philippine income-tax estimate for a more realistic financial comparison.

2. Which Job Offer Should I Choose?

Have more than one offer?

Compare up to 5 job offers side by side using:

• guaranteed financial value
• expected value including variable pay
• estimated work + commute time
• optional personal-fit factors

The goal is not to force a winner when offers are genuinely close. It helps you see what leads, what is broadly tied, and what is actually driving the difference.

3. Can I Afford This Purchase?

Before saying “Sige na nga,” check what happens to your money after the purchase.

The tool looks at:

• what you need to pay now
• money already committed elsewhere
• the cash cushion you want to keep
• your normal monthly expenses
• any ongoing installment cost
• the monthly breathing room you want to preserve

The result helps you see whether the purchase fits the limits you set or where the pressure point is.

What you get

• 3 Excel decision tools
• Clean copies ready for your own numbers
• Completed examples showing how each tool works
• Simple instructions inside every workbook
• START HERE quick guide
• Built-in calculations and plain-language results

Who this is for

This toolkit is for people who want practical help with everyday financial decisions without turning personal finance into another system they have to maintain.

You don’t need to be good at Excel.

You just need the numbers or reasonable estimates you already have.

What this is not

This is not a budget tracker, accounting system or financial-planning software.

It is also not a substitute for professional financial, tax, legal or employment advice.

The tools provide practical estimates based on the information and assumptions you enter. Actual results may differ depending on your circumstances, employment terms and applicable rules.

Simple tools. Better-informed decisions.

Use your own numbers.

See what changes.

Get a clearer next step.