HTML Finance Tools
Net Pay Calculator / Take-Home Pay Estimator
Estimate paycheck, monthly, and yearly take-home pay using a manual-entry HTML tool. Includes a desktop offline file and a hosted mobile browser option.
Digital planning tools by format
Simple digital tools for clearer planning.
Sage Systems Lab builds one-time-purchase templates, printable planners, and browser-based tools for budgeting, payoff planning, meal planning, and everyday organization. Product formats vary by listing - HTML tools, PDFs, and Google Sheets templates are clearly labeled before purchase.
One-Time Digital DownloadsNo Subscription from SellerManual Entry: HTML + SheetsFormats Clearly Listed
Product catalog by format and use case.
Each card lists the product's primary format and the claims that apply to that product only.
HTML Finance Tools
HTML Finance Tools
ClearSpend Safe-to-Spend Calculator
Enter balance, payday, and upcoming bills to estimate what is safe to spend before the next paycheck. Built for manual planning, not bank syncing.
HTML Finance Tools
Extra Payment Loan Planner
Compare current vs accelerated payoff paths for fixed-rate loans and installment debts. Estimate interest saved, time saved, payoff date, and export a CSV amortization schedule.
Not a full mortgage calculator. Does not model PMI, escrow, property taxes, insurance, variable APR, refinancing, or lender-specific fees.
Google Sheets Templates
Google Sheets Templates
Subscription Tracker Spreadsheet
Track recurring bills, renewal dates, subscription categories, and monthly totals in a structured Google Sheets template. Excel compatibility may be included as a secondary option.
Requires a free Google account and internet connection for primary Google Sheets use.
Printable Planners
Printable Planners
ADHD Planner Printable PDF Kit
A 28-page printable ADHD-friendly planning kit with daily planning, top priorities, brain dump, habit tracking, energy tracking, notes, low-ink variant, and multiple print sizes.
Household Planning
Household Planning
Weekly Meal Planner Kit
Printable meal planning kit with grocery list, pantry inventory, freezer inventory, weekly reset checklist, and grocery spend tracking.
Product Format Guide
The shop sells mixed digital products. Use the format labels to understand what each download needs before purchase.
| Format | What it means | Applies to |
|---|---|---|
| HTML Tool | Browser-based file/tool; usually manual entry; desktop files can work offline after download. | Net Pay, ClearSpend, Extra Payment Loan Planner |
| Google Sheets | Spreadsheet template that requires Google Sheets and a free Google account for primary use. | Subscription Tracker |
| Printable PDF | Downloadable printable files; usable offline after download. | Meal Planner, ADHD Planner |
| Hosted Mobile Link | Browser-based access method for phones/tablets; may require internet. | Net Pay, ClearSpend |
Why this exists
One-time downloads
Products are sold through Etsy as digital downloads, with no seller subscription for continued access.
Manual planning
HTML finance tools and Google Sheets templates are built around manual entry so the assumptions stay visible and easy to review.
Clear format labels
HTML tools, Google Sheets templates, and printable PDFs have different requirements, so each listing should state its format before purchase.
Common questions
Are all Sage Systems Lab products offline-first?
No. Product formats vary. HTML tools and printable PDFs can be used offline after download in supported environments. Google Sheets templates require Google Sheets and a free Google account for primary use. Each listing states its format before purchase.
Do these tools connect to my bank?
No. The finance tools are manual-entry products and do not connect to bank accounts.
Do I need an account?
It depends on the format. HTML tools and PDFs do not require a Sage Systems Lab account. Google Sheets templates require a free Google account because they run in Google Sheets.
Are these financial advice?
No. These are planning and organization tools only. They do not provide financial advice, guarantee savings, guarantee payoff timelines, or replace professional advice.
Is the Extra Payment Loan Planner a mortgage calculator?
No. It is a fixed-rate loan payoff planner. It can estimate extra-payment impact for simple fixed-rate loans, but it does not model PMI, escrow, property taxes, insurance, variable rates, refinancing, or lender-specific fees.
Is the ADHD Planner a medical tool?
No. It is a printable planning layout designed for low-friction organization. It is not a medical device, treatment, therapy replacement, or diagnostic tool.