# Templates 9 templates ยท Updated 5 November 2026 Sheets that are ready to use. Open one in Ratio, change the numbers to yours, and every line below follows. All free, and every result was worked out by Ratio itself. ## Home and money Budgets, savings and what things really cost. - [Monthly budgetIncome, bills grouped with #tags, what's left and what to save.income = 3200Rent 1100 #homeUtilities 140 #home](https://useratio.app/templates/monthly-budget) - [Emergency fundSix months of essentials, what you have, and how long to get there.Rent 1100Utilities 140Groceries 420](https://useratio.app/templates/emergency-fund) - [What my car costsFuel, insurance, tax and upkeep, per year, per month and per km.distance = 12000consumption = 6.5fuel price = 1.75](https://useratio.app/templates/car-cost) ## Shared costs Rent, bills and trips split fairly between people. - [Splitting the rentRent and bills shared by flatmates, with each person's part.Rent 1500 @Emma @Jack @OliviaUtilities 210 @Emma @Jack @OliviaInternet 30 @Emma @Jack @Olivia](https://useratio.app/templates/rent-split) ## Work and salary Take-home pay, rates and what to charge. - [Freelance hourly rateFrom the yearly income you want to the rate you should charge.target = 60000 eurexpenses = 6000 eurtax rate = 30%](https://useratio.app/templates/freelance-rate) - [Net salary in RomaniaBrut to net with CAS, CASS and income tax, and net back to brut.8000 gross in ROtake home = prevtake home as % of 8000](https://useratio.app/templates/net-salary-romania) - [Net salary in GermanyBrutto to netto for a yearly salary, per month and as a share.60000 gross in DEtake home = prevtake home / 12](https://useratio.app/templates/net-salary-germany) - [Net salary in the USTake-home pay from a yearly salary, per month and per paycheck.100000 gross in UStake home = prevtake home / 12](https://useratio.app/templates/net-salary-us) ## Travel Trip budgets in any currency. - [Vacation budgetFlights, hotel, food and day trips, against what you planned to spend.budget = 1800 eurnights = 6Flights 2 * 140 eur #travel](https://useratio.app/templates/vacation-budget) ## Share your template Made a sheet that others could use? Paste it here. If it works and helps people, it gets its own page in the gallery with your name on it. I read every one. Template name The sheet What it's for (optional) Your name, as shown on the page Email, so I can tell you when it's up Send template New to Ratio? See [what a notepad calculator is](https://useratio.app/what-is-a-notepad-calculator), or everything it understands in [Syntax and examples](https://useratio.app/docs). [Try Ratio free for 7 days](https://useratio.app/download?utm_source=templates) Source: https://useratio.app/templates