# Plainbook Studio

> Free planning calculators (debt snowball, sinking fund, paycheck budget, PTO accrual, party budget, baby cost), a printable bingo card generator and practical guides. Made by Plainbook Studio, a small shop of printable planners, party games and spreadsheets. Calculations run in the browser; nothing is stored.

## Calculators
- [Debt Snowball Calculator](https://plainbook-tools.pages.dev/calculators/debt-snowball-calculator/): Free debt snowball calculator: enter up to five debts and an extra monthly payment to see your payoff order, months to debt-free and estimated interest.
- [Sinking Fund Calculator](https://plainbook-tools.pages.dev/calculators/sinking-fund-calculator/): Free sinking fund calculator: find how much to save each month for a goal by a target date, with optional interest.
- [Paycheck Budget Calculator](https://plainbook-tools.pages.dev/calculators/paycheck-budget-calculator/): Free paycheck budget calculator: split each paycheck into needs, wants and savings. Defaults to 50/30/20 and you can change the percentages.
- [PTO Accrual Calculator](https://plainbook-tools.pages.dev/calculators/pto-accrual-calculator/): Free PTO accrual calculator: estimate your paid time off balance by year end from your accrual rate, pay periods and planned time off.
- [Party Budget Calculator](https://plainbook-tools.pages.dev/calculators/party-budget-calculator/): Free party budget calculator: total cost and cost per guest for food, drinks, decor, activities, venue and a contingency.
- [Baby Cost Calculator](https://plainbook-tools.pages.dev/calculators/baby-cost-calculator/): Free baby cost calculator: add your own one-time and monthly costs to see a first-year baby budget total.

## Tools
- [Bingo card generator](https://plainbook-tools.pages.dev/bingo/): random 5x5 cards for Halloween, Thanksgiving, Christmas, Hanukkah and baby showers

## Guides
- [Halloween Bingo for Kids: Classroom Party Guide](https://plainbook-tools.pages.dev/guides/halloween-bingo-for-kids-classroom/): How to run Halloween picture bingo in a classroom party: setup, timing, prizes and a free card generator.
- [Halloween Bingo for Toddlers and Preschoolers](https://plainbook-tools.pages.dev/guides/halloween-bingo-for-toddlers-preschool/): Make Halloween bingo work for ages 2 to 5 with fewer squares, big pictures and no-pressure rules.
- [Indoor Halloween Scavenger Hunt for Kids](https://plainbook-tools.pages.dev/guides/halloween-scavenger-hunt-for-kids-indoor/): Ideas for an indoor Halloween scavenger hunt: how to hide items, team up kids and keep it safe.
- [Halloween Party Games for Large Groups](https://plainbook-tools.pages.dev/guides/halloween-party-games-for-large-groups/): Printable and low-prep Halloween games that scale to a large class or neighborhood party.
- [Halloween Games for Kids That Do Not Need Candy](https://plainbook-tools.pages.dev/guides/halloween-games-for-kids-no-candy/): Halloween party games that work without sweets, for schools with candy rules and for families who prefer less sugar.
- [Thanksgiving Bingo for the Classroom](https://plainbook-tools.pages.dev/guides/thanksgiving-bingo-for-classroom/): How to use Thanksgiving picture bingo in class, with a free card generator and simple rules.
- [Thanksgiving Games for the Kids' Table](https://plainbook-tools.pages.dev/guides/thanksgiving-games-for-kids-table/): Printable games and activities that keep the kids' table busy while dinner is served.
- [Friendsgiving Party Games for Adults](https://plainbook-tools.pages.dev/guides/friendsgiving-party-games-adults/): Low-prep Friendsgiving games, from trivia to bingo, that fit a casual potluck.
- [Thanksgiving Trivia for Families](https://plainbook-tools.pages.dev/guides/thanksgiving-trivia-for-families/): How to run Thanksgiving trivia at a family gathering, including team setups and scoring ideas.
- [Thanksgiving Meal Planning Checklist](https://plainbook-tools.pages.dev/guides/thanksgiving-meal-planning-checklist/): A step-by-step timeline for planning Thanksgiving dinner, from guest list to leftovers.
- [Christmas Bingo for a Kids' Party](https://plainbook-tools.pages.dev/guides/christmas-bingo-for-kids-party/): Run Christmas picture bingo at a class or family party, with tips on prizes and variations.
- [Christmas Party Games for the Classroom](https://plainbook-tools.pages.dev/guides/christmas-party-games-for-classroom/): Printable classroom party games for the last week before winter break.
- [Christmas Trivia for Family Gatherings](https://plainbook-tools.pages.dev/guides/christmas-trivia-for-family-gatherings/): Tips for running Christmas trivia after dinner or at a holiday party.
- [No-Prep Christmas Games for Kids](https://plainbook-tools.pages.dev/guides/christmas-kids-games-printable-no-prep/): Printable Christmas games for kids that need only a printer and pencils.
- [Christmas Elf Welcome Ideas for Families](https://plainbook-tools.pages.dev/guides/christmas-elf-welcome-ideas/): Ways to introduce an elf tradition to your family with printable notes and a welcome letter.
- [Letter to Santa Template and Wish List Ideas](https://plainbook-tools.pages.dev/guides/letter-to-santa-template-printable/): How to help children write a letter to Santa, with prompts and a printable wish list.
- [Hanukkah Games for a Kids' Party](https://plainbook-tools.pages.dev/guides/hanukkah-games-for-kids-party/): Printable activity and game ideas for a Hanukkah gathering with children.
- [Family-Friendly New Year's Eve Games](https://plainbook-tools.pages.dev/guides/new-years-eve-games-family-friendly/): Games to keep kids and adults busy until midnight, including printables and countdown ideas.
- [Kids Chore Chart Ideas by Age](https://plainbook-tools.pages.dev/guides/kids-chore-chart-ideas-by-age/): How to build a chore chart that matches a child's age and keeps routines consistent.
- [Preschool Worksheets at Home: A Simple Routine](https://plainbook-tools.pages.dev/guides/preschool-worksheets-at-home-routine/): How to fit short worksheet sessions into a preschooler's day without pressure.
- [Gratitude Journal Prompts for Adults](https://plainbook-tools.pages.dev/guides/gratitude-journal-prompts-for-adults/): Simple daily prompts to start a gratitude journaling habit, with a printable journal.
- [How to Use a Budget Planner Spreadsheet](https://plainbook-tools.pages.dev/guides/how-to-use-a-budget-planner-spreadsheet/): Step-by-step guide to setting up a monthly budget in a spreadsheet, from income to categories.
- [Debt Snowball vs Avalanche: Explained](https://plainbook-tools.pages.dev/guides/debt-snowball-vs-avalanche-explained/): How the two payoff methods differ and how to try each in a free calculator.
- [Sinking Fund Examples and Categories](https://plainbook-tools.pages.dev/guides/sinking-funds-examples-categories/): Common sinking fund categories and how to calculate how much to save each month.
- [Biweekly Paycheck Budget: How to Plan Each Check](https://plainbook-tools.pages.dev/guides/paycheck-budget-biweekly-how-to/): Plan bills and spending around biweekly pay with a simple method.
- [Holiday Gift Budget Planner: How to Plan](https://plainbook-tools.pages.dev/guides/holiday-gift-budget-planner-how-to/): Set a gift budget, list recipients and track spending.
- [Small Team PTO Tracking in a Spreadsheet](https://plainbook-tools.pages.dev/guides/small-team-pto-tracking-spreadsheet/): How to track paid time off for a small team without paid software.
- [Baby Budget: First-Year Checklist](https://plainbook-tools.pages.dev/guides/baby-budget-first-year-checklist/): Categories to include in a first-year baby budget, with a free calculator.
- [Party Budget Per Guest: How to Calculate](https://plainbook-tools.pages.dev/guides/party-budget-per-guest-how-to/): Work out a party budget per guest, from food to decorations.
- [Moving Budget Checklist: Costs to Plan For](https://plainbook-tools.pages.dev/guides/moving-budget-checklist-costs-to-plan/): A checklist of costs to include when budgeting a move, from boxes to deposits.
- [Wedding Budget Breakdown: Categories to Plan For](https://plainbook-tools.pages.dev/guides/wedding-budget-breakdown-categories/): A practical list of wedding budget categories, how to set priorities, and how to track deposits and balances due.
- [How to Track Your Net Worth Monthly](https://plainbook-tools.pages.dev/guides/how-to-track-net-worth-monthly/): A simple monthly routine for tracking net worth: what to list as assets and debts, how often to update, and how to read the trend.
- [Bill Payment Calendar: How to Set One Up](https://plainbook-tools.pages.dev/guides/bill-payment-calendar-how-to-set-up/): How to build a monthly bill payment calendar that lines up due dates with paydays and helps you avoid late fees.
- [Weekly Meal Plan on a Budget: A Simple Routine](https://plainbook-tools.pages.dev/guides/weekly-meal-plan-on-a-budget/): A step-by-step weekly meal planning routine that cuts waste and grocery spending: check what you have, plan around it, and shop from a list.
- [Freelancer Expense Categories: A Starter List](https://plainbook-tools.pages.dev/guides/freelancer-expense-categories-list/): Common expense categories freelancers track through the year, plus a simple monthly routine for keeping receipts and totals in order.

## Other
- [FAQ](https://plainbook-tools.pages.dev/faq/)
- [Etsy shop](https://www.etsy.com/shop/PlainbookStudioCo)
- [Gumroad shop](https://plainbookstudio.gumroad.com)
- [Affiliate program](https://plainbookstudio.gumroad.com/affiliates)

Tools give estimates for planning only; they are not financial, tax or legal advice.