About Penny & Pencil
We make practical digital tools for everyday life: spreadsheets that make money simple, and worksheets that make practice easy.
How we make things
Every template and worksheet is designed in-house, using AI tools to help draft layouts, formulas and practice problems. Then every file is built and tested: spreadsheet formulas are recalculated and checked for errors, and every worksheet answer is computed and verified, before anything is listed.
License
Personal use, or use in one classroom for worksheets. Please don't resell, share or redistribute the files.
Digital downloads
All products are instant digital downloads. Nothing physical is shipped. Spreadsheets work in Microsoft Excel and Google Sheets. Worksheets are US Letter PDFs.
Not advice
Our financial templates are organizing tools, not financial, tax or legal advice.