Ready-made tools and templates
Excel and Word tools for home and business from 1,90 €. One-off purchase, no subscription. Files available to download immediately after payment.
Bundles: everything at once for less
Home Bundle: all home tools
All 20 home tools in a single purchase: budgets, calculators and checklists.
Bought separately 71 €
Entrepreneur Package: all business tools
All 10 business tools in a single purchase: tenders, grants, safety and sales.
Bought separately 109 € + VAT
The tools one by one
ToolEvent safety package
Rescue plan template, risk assessment and permit checklist.
19,90 € + VAT 25,5 % = 24,97 €
ToolBid package for public procurement
Bid template, suitability checklist and pricing calculator.
19,90 € + VAT 25,5 % = 24,97 €
ToolGrant application template
Application template, budget template and checklist.
14,90 € + VAT 25,5 % = 18,70 €
ToolRenovation budget and household tax credit
Renovation budget, quotation comparison and household tax credit calculator.
9,90 € incl. VAT 25,5 %
ToolHousehold budget and debt plan
Monthly budget, savings goals and debt repayment plan.
9,90 € incl. VAT 25,5 %
ToolLandlord's calculation and document templates
Rental yield calculation and 9 Word templates: termination, rent increase, warning, deposit, move-out inspection.
9,90 € incl. VAT 25,5 %
Quick toolMoving checklist
The moving tasks on a timeline from 8 weeks to moving day.
1,90 € incl. VAT 25,5 %
Quick toolParty planning and catering calculator
Guest list, budget and catering quantities by number of guests.
2,90 € incl. VAT 25,5 %
Quick toolCottage opening and closing checklist
Spring opening and autumn closing as a checklist.
1,90 € incl. VAT 25,5 %
Quick toolElectricity contract comparison calculator
Comparison of spot-price and fixed-price contracts using your own consumption.
2,90 € incl. VAT 25,5 %
Quick toolCV and job application template
A clear CV template, an application outline and an interview checklist.
2,90 € incl. VAT 25,5 %
Quick toolCar annual cost calculator
Fuel or electricity, insurance, tax, servicing and depreciation.
1,90 € incl. VAT 25,5 %
Quick toolTrip budget and packing list
Travel budget per person and an editable packing list.
1,90 € incl. VAT 25,5 %
Quick tool12-week training diary
Training programme, log and progress tracking.
1,90 € incl. VAT 25,5 %
Quick toolSalary negotiation checklist
Preparation, justifications and how the negotiation proceeds.
2,90 € incl. VAT 25,5 %
Quick toolHome safety check
Smoke alarms, electricity, locking, escape routes and the annual calendar.
1,90 € incl. VAT 25,5 %
Quick toolInsurance comparison and checklist
Your own insurance policies in one place, comparison of offers and annual cost.
1,90 € incl. VAT 25,5 %
Quick toolStudent budget and application calendar
Monthly budget, student financial aid and application deadlines.
1,90 € incl. VAT 25,5 %
Quick toolSauna heating cost calculator
Cost of an electric and a wood-burning sauna heater per session, per month and per year.
1,90 € incl. VAT 25,5 %
ToolPremises comparison and cost calculator
Rent, maintenance charge, costs and €/sq m of useful floor area, plus a comparison of three premises.
9,90 € + VAT 25,5 % = 12,42 €
ToolSales pipeline and lead tracking
Leads, stages, probability and forecast sales.
9,90 € + VAT 25,5 % = 12,42 €
ToolLunch restaurant margin and pricing calculator
Portion cost, margin %, pricing and daily sales tracking.
9,90 € + VAT 25,5 % = 12,42 €
ToolRecreation day planning template
Programme, budget per person, registrations and checklist.
4,90 € + VAT 25,5 % = 6,15 €
ToolInvoice template and invoice register
An invoice with all mandatory details, VAT breakdown, reference number and open receivables.
4,90 € + VAT 25,5 % = 6,15 €
ToolShift schedule and hours calculator
Shifts for 15 employees, hours across midnight, weekly limit warning and payroll cost.
4,90 € + VAT 25,5 % = 6,15 €
Quick toolLogbook and mileage allowance
Trips with odometer readings, mileage allowance 2026 and a monthly summary.
2,90 € incl. VAT 25,5 %
Quick toolLoan calculator and repayment plan
Monthly instalment, interest and costs, full repayment schedule, interest rate scenarios and comparison of two offers.
2,90 € incl. VAT 25,5 %
Quick toolWedding planner: budget, guests and schedule
Wedding budget, 200-guest list, 12-month task list and supplier payment instalments.
3,90 € incl. VAT 25,5 %
Quick toolComplaint and compensation claim templates
Five ready-made letters: flight delay, lost luggage, faulty product, service defect and insurance decision.
2,90 € incl. VAT 25,5 %
ToolService-sector entrepreneur's annual plan
Price list and margin €/h, 12-month sales plan, costs, YEL, VAT limit and net income.
9,90 € + VAT 25,5 % = 12,42 €Free tools
One for every radar. Download with a free Tutkat account.
Free toolCost comparison of excursion destinations
Compare the price of four excursion destinations for the whole group and calculate whether the Museum Card is worth it.
- Four attractions: tickets, family ticket, drive, parking and packed lunch
- Total price of the trip, per person and per hour
- Museum Card profitability based on your own museum visits
Free toolOccupation comparison matrix
Compare four occupations or fields with your own weightings and see which suits you best.
- Four professions: record salary, length and cost of training
- Eight criteria + your own criterion, weights 0–5 and scores 1–5
- Weighted score 0–100 and ranking automatically
Free toolViewing checklist and comparison
Compare three homes by debt-free price, maintenance charges and renovations, and bring the checklist along on screen.
- Three homes: debt-free price, €/m², transfer tax and maintenance charges
- Own share of upcoming renovations and total estimate for the comparison period
- A 27-point viewing checklist with ✓ / ✗ / ? marks
Free toolUsed car comparison and checklist
Compare three used cars and go through each with the 25-point checklist before buying.
- Three cars: price, age, odometer reading and annual mileage
- Immediate repairs included in the actual acquisition cost
- A 25-point paper checklist for a test drive
Free toolJob search tracking sheet
Keep all job applications, deadlines and next steps in one table.
- 60 search rows: company, role, deadline, status and notes
- Warning when the application period ends in less than a week
- Summary by premises and share reaching interview
Free toolVenue comparison table
Compare the total price, price per guest, space adequacy and terms of four venues side by side.
- Four venues side by side: rent, extra hours, cleaning, tableware and technology
- Total price and price per guest are calculated automatically
- Will the guests fit: warning for too small a space
Free toolGo/no-go assessment of the bid decision
Decide in ten minutes whether to bid for the tender: requirements, scoring and schedule.
- Working days to the filing deadline and an estimate of whether you will make it
- Seven absolute requirements: a single No = NO-GO
- Nine weighted attractiveness criteria
Free toolMortgage down payment calculator
Calculate how much of your own money is needed for a home purchase after the loan-to-value cap, transfer tax and costs.
- Maximum loan amount under the loan-to-value cap (95 %)
- Own financing, transfer tax and other costs of the purchase
- Adequacy of savings and time to goal
Free toolLead scoring (ideal customer profile)
Score leads against your own ideal customer profile and see who to contact first.
- Six editable criteria with weightings and score descriptions
- 50 leads: weighted score and class A / B / C
- Next action and highlighting of overdue items
Free toolCalculator for lunch costs and the lunch benefit
Compare the real price to you per month and per year of a restaurant lunch, a packed lunch and the lunch benefit.
- Restaurant lunch, packed lunch and lunch benefit side by side
- Taxable value of the lunch benefit 2026 (8,80 € / 14,00 € / 75 %)
- Deductible, extra charge at checkout and tax estimate
Free toolFlight compensation checker
Check whether a delayed or cancelled flight entitles you to standard compensation of €250–600 under the EU regulation.
- Delay, cancellation and denied boarding
- Compensation class by flight length (€250/400/600)
- Cancellation notice periods and the 50 % discount
Free toolCottage annual cost calculator
Calculate the real annual costs of a cottage per year, per month and per cottage day.
- 15 editable cost rows with accrual
- Costs € / year and € / month
- Price per own cottage day and the effect of rental income
Free toolStudy credit calculator for student financial aid
Check whether your credits are sufficient under Kela's student financial aid monitoring and how many more you need.
- Annual limit of 20 credits
- Average 5 credits / support month over the whole study period
- Credits needed in the current academic year
Free toolPay rise and real wage calculator
See what a pay rise means in euros per year and whether your purchasing power grows after inflation.
- Increase in percent or euros
- Increase €/month and €/year including holiday pay
- Real change and the salary that preserves purchasing power
Free toolService-sector entrepreneur's hourly rate calculator
Calculate a service business's hourly rate from your target income and track the 20,000 € VAT threshold.
- Hourly rate from target pay, costs and billable hours
- Service-specific prices by duration, incl. VAT
- Comparing your current prices with the target
Free toolCompound interest savings calculator
Calculate what your monthly savings grow to with compound interest and how much you need to save to reach your goal.
- Accumulation, share of return and real value
- Effect of costs on yield
- Monthly saving required for the savings goal
Free toolRestaurant bill splitter
Split the restaurant bill fairly: who ate what, shared dishes and the tip per person.
- 8 diners and 20 receipt lines
- Shared products are divided among the participants
- Tip in the same proportion and comparison with an equal split
Free toolRenovation contract checklist
Check the contractor, contract and invoice before the renovation and make sure the conditions for the household expenses deduction are met.
- 25 checkpoints in five stages
- Contractor's prepayment register and insurance
- Clauses on the contract, payment instalments and extra work
Free toolAppliance electricity consumption calculator
Calculate how much electricity household appliances use and how much they cost per year.
- Total price of electricity by component (incl. electricity tax and VAT)
- 15 editable equipment rows: kWh and € per year
- The three most expensive appliances highlighted
Free toolAnnual sauna maintenance calendar
Keep the sauna's chimney sweeping, sauna stones, benches and ventilation up to date with one annual calendar.
- Sweeping interval by law (permanent home / holiday home)
- Next service and status automatically
- 12-month annual calendar view
Free toolFuel calculator and consumption log
Calculate whether it is worth driving to a cheaper station, and track your car's real consumption and €/km.
- Net saving and the longest worthwhile detour
- Quick table for different price differences
- Fuel log: l/100 km, €/km and average price
Free toolPremises showing list and space requirements
A checklist for showing premises and a quick estimate of how many square metres your business needs.
- 31 questions for a showing of three premises
- Yes / No / To be clarified summary
- Estimate of space needs now and after growth
Free toolFitness pass selection calculator
Calculate whether a single ticket, a multi-visit card or a monthly pass is cheapest for your own number of visits.
- Five options side by side: annual cost and € per visit
- Break-even point of a monthly pass in visits
- Taking the exercise benefit into account
Free toolDate calendar and idea bank
The year's date calendar with a budget and 28 date ideas from free to splurges.
- One date a month: idea, organiser and budget
- Actual vs. budget and grades
- 28 ideas to filter: price range, indoors / outdoors, season
Free toolTracking funding applications and self-financing
Keep all grant applications and deadlines in one table and calculate the project's own funding and cash need.
- Application calendar: deadlines, status and days remaining
- Success rate and amounts granted
- Own financing and pre-financing need calculator
Safety checklists
16 safety checklists as Excel: home, cottage, housing company, workplace and event.
- 96 items to check, with the statutory ones sourced
- Status, person responsible and due date
- Summary of pending statutory
Free toolHome safety checklist for travellers
Checklist for securing your home during a holiday or cottage trip, plus an info card for the neighbour.
- 27 tasks in four stages before departure and after return
- Readiness level: Done / Not applicable
- Kotivahti printable information card
Free toolWind limit checker
Compare the hourly wind forecast with the wind limits of tents, lifts and stages.
- Five devices, each with its own wind limits
- OK / Close / OVER THE LIMIT hourly for 24 hours
- Own warning limit and mean wind / gust selection
Free toolHome contents inventory
List your household goods, receipts and photos in advance in case of damage, and check the sum insured of your home insurance.
- A list of 100 items by room
- Receipt and photo status, missing ones highlighted
- Values by room and comparison with the insured amount
Free toolComparison of rental homes for tenants
Compare the actual housing costs of three rental homes and the cash needed when moving in.
- Total costs €/month and €/year and €/m²
- Commuting, water, electricity and other costs included
- Cash needed when moving: deposit, rent, move