# Sheet Reserve

> Spreadsheet templates for engineering, bidding, chemistry, finance, accounting and management, plus public datasets, as XLSX, CSV, ODS, XML or Numbers. Membership $19.85 a year via Gumroad. Developed by Yunus Emre Vurgun (https://yunusemrevurgun.com).

## Topic hubs
- [Spreadsheet file formats and open datasets](https://sheetreserve.com/topics/spreadsheet-files-and-data): XLSX, CSV, ODS, XML and Numbers compared, plus the public datasets and guides on using them.
- [Engineering spreadsheet templates](https://sheetreserve.com/categories/engineering): Engineering calculation templates with live formulas: beams, pipe flow, electrical loads, tolerances and bills of materials.
- [Industrial engineering spreadsheet templates](https://sheetreserve.com/categories/industrial-engineering): Industrial engineering templates with live formulas: OEE, time studies, line balancing, EOQ and reorder points, and SPC control charts.
- [Sales engineering spreadsheet templates](https://sheetreserve.com/categories/sales-engineering): Sales engineering templates: customer ROI and payback, total cost of ownership, RFP compliance matrices, quote configurators and proof-of-concept trackers.
- [Architecture spreadsheet templates](https://sheetreserve.com/categories/architecture): Architecture templates for room and area schedules, door and window schedules, space programs, cost estimates and occupant loads.
- [Bidding spreadsheet templates](https://sheetreserve.com/categories/bidding): Bidding templates for contractors and owners: bid tabulation, subcontractor bid leveling, markup and margin, unit price bid schedules and bid/no-bid decisions.
- [Chemistry spreadsheet templates](https://sheetreserve.com/categories/chemistry): Chemistry lab templates: molar mass, solution and dilution prep, reaction stoichiometry and yield, buffer pH and Beer-Lambert calibration curves.
- [Finance spreadsheet templates](https://sheetreserve.com/categories/finance): Finance templates with real formulas: loan amortization, DCF valuation, monthly P&L, 13-week cash flow and portfolio tracking.
- [Accounting spreadsheet templates](https://sheetreserve.com/categories/accounting): Accounting templates: bank reconciliation, fixed asset depreciation, accounts receivable aging, trial balance to financial statements, and prepaid and accrual schedules.
- [Budgeting spreadsheet templates](https://sheetreserve.com/categories/budgeting): Budget templates for households, events, travel and debt payoff, each with budget-versus-actual tracking built in.
- [Management spreadsheet templates](https://sheetreserve.com/categories/management): Management templates: earned value project tracking, RACI matrices, OKR scoring, risk registers and team capacity planning.

## Sheets
- [13-week cash flow forecast](https://sheetreserve.com/sheets/13-week-cash-flow-forecast): Weekly receipts and disbursements for one quarter, with a revolver that draws and repays and a variance tab.
- [Accounts receivable aging report with doubtful account allowance](https://sheetreserve.com/sheets/accounts-receivable-aging): Age open invoices into buckets by days past due, then estimate the allowance for doubtful accounts and DSO.
- [Acid-base titration curve calculator](https://sheetreserve.com/sheets/titration-curve-calculator): pH at every titrant volume for a strong or weak acid titrated with NaOH, with equivalence, half-equivalence and an indicator check.
- [Annual budget planner, month by month](https://sheetreserve.com/sheets/annual-budget-planner): Twelve months of planned income and spending, with net and cumulative savings and a year-to-date tab.
- [Architectural fee and phase planner with timeline](https://sheetreserve.com/sheets/architectural-fee-phase-planner): Basic fee, phase split, staffing against each phase fee, a 60-week timeline and 15-month billing for one building project.
- [Assembly line balancing calculator with takt time](https://sheetreserve.com/sheets/assembly-line-balancing): Takt time, station loading, line efficiency and balance delay for a task list with precedence.
- [Bank reconciliation template](https://sheetreserve.com/sheets/bank-reconciliation): Reconcile a bank statement to the general ledger with reconciling items, adjusted balances and journal entries.
- [Beam deflection and bending calculator](https://sheetreserve.com/sheets/beam-deflection-calculator): Deflection, bending moment, shear and stress for simply supported and cantilever beams under point and uniform loads.
- [Bid pipeline and win rate dashboard](https://sheetreserve.com/sheets/bid-pipeline-win-rate-dashboard): Bids submitted, won and lost, hit rates, weighted pipeline and margins by month, sector, estimator and bid size.
- [Bid price build-up: overhead, profit, markup and margin](https://sheetreserve.com/sheets/bid-markup-calculator): Build a bid price from direct cost with job and home office overhead, contingency, profit, bond and insurance.
- [Bid tabulation sheet for comparing contractor bids](https://sheetreserve.com/sheets/bid-tabulation): Unit prices, extended totals, unbalanced-line flags, responsiveness and ranking for competing contractor bids.
- [Bid/no-bid decision matrix with expected value](https://sheetreserve.com/sheets/bid-no-bid-decision-matrix): Pass-or-fail gates, weighted scores, expected profit and a bid log with hit rates by sector.
- [Bill of materials with cost roll-up](https://sheetreserve.com/sheets/bill-of-materials-cost-rollup): Multi-level bill of materials with extended quantities, supplier prices and cost roll-up by sub-assembly.
- [Buffer preparation calculator (Henderson-Hasselbalch)](https://sheetreserve.com/sheets/buffer-preparation-calculator): Acid and base form masses for a buffer at a target pH, from pKa values, with a titration route.
- [Calibration curve and unknown concentration calculator (Beer-Lambert)](https://sheetreserve.com/sheets/calibration-curve-beer-lambert): Least-squares calibration line, r squared, LOD and LOQ, and unknown concentrations from absorbance.
- [Competitive feature comparison matrix with Harvey balls](https://sheetreserve.com/sheets/competitive-feature-comparison-matrix): Score our product against four competitors on up to 80 weighted features, with Harvey balls, gap flags and ranked talk tracks.
- [Construction cost estimate by CSI division](https://sheetreserve.com/sheets/construction-cost-estimate): Preliminary cost estimate by CSI MasterFormat 2018 division, with general conditions, OH&P, contingency and escalation.
- [Customer ROI and payback calculator for a technical sale](https://sheetreserve.com/sheets/customer-roi-calculator): Three-year ROI, NPV, IRR and payback from one-time and recurring costs, benefits and an adoption ramp.
- [Debt payoff planner (avalanche and snowball)](https://sheetreserve.com/sheets/debt-payoff-planner): Compare avalanche and snowball payoff for up to six debts, with a month-by-month schedule for each.
- [Discounted cash flow (DCF) valuation model](https://sheetreserve.com/sheets/dcf-valuation-model): Five-year free cash flow, WACC build-up, terminal value by two methods and a sensitivity grid.
- [Door and window schedule](https://sheetreserve.com/sheets/door-window-schedule): Door and window schedules with types, fire ratings, glazed areas and counts by type and level.
- [Drinking water and sanitation access by country, 2000-2024](https://sheetreserve.com/sheets/drinking-water-and-sanitation-access-by-country): Safely managed and basic drinking water, sanitation and handwashing shares for 217 economies, 2000-2024, from the World Bank.
- [EOQ, safety stock and reorder point calculator](https://sheetreserve.com/sheets/eoq-reorder-point-calculator): Economic order quantity, safety stock, reorder point and annual inventory cost for each SKU.
- [Earned value management (EVM) project tracker](https://sheetreserve.com/sheets/earned-value-management-tracker): Track a project's schedule and cost with planned value, earned value, SPI, CPI and an estimate at completion.
- [Electrical panel load schedule](https://sheetreserve.com/sheets/electrical-panel-load-schedule): A 42-circuit 208Y/120 V panel schedule with phase totals, NEC 220.44 receptacle demand and current.
- [Event and wedding budget planner](https://sheetreserve.com/sheets/event-budget-planner): Per-guest and fixed costs, committed amounts, deposits, payment status and a contingency for an event.
- [Financial ratio analysis dashboard (three years)](https://sheetreserve.com/sheets/financial-ratio-analysis): Twenty ratios for three fiscal years with trends, targets, a DuPont breakdown and a scorecard, for an example distributor.
- [Fixed asset register and depreciation schedule](https://sheetreserve.com/sheets/fixed-asset-depreciation-schedule): Straight-line, declining balance and sum-of-the-years'-digits depreciation for each asset, by fiscal year.
- [Freshwater withdrawals by country](https://sheetreserve.com/sheets/freshwater-withdrawals-by-country): Freshwater withdrawals by sector, renewable resources and water stress for 186 countries, from the World Bank and FAO AQUASTAT.
- [GDP by country, 1990-2025](https://sheetreserve.com/sheets/gdp-by-country): GDP, GDP per capita and growth for 217 countries and territories, 1990-2025, from the World Bank.
- [Global temperature anomalies, 1880-2025 (NASA GISTEMP v4)](https://sheetreserve.com/sheets/global-temperature-anomalies-nasa-gistemp): Monthly, annual, hemispheric and zonal global temperature anomalies from NASA GISTEMP, 1880-2025, with warming stripes.
- [Inflation by country, 1990-2025 (consumer prices and GDP deflator)](https://sheetreserve.com/sheets/inflation-by-country): Consumer price and GDP deflator inflation for 217 economies, 1990-2025, from the World Bank, with decade averages and latest-year rankings.
- [Investment portfolio tracker](https://sheetreserve.com/sheets/investment-portfolio-tracker): Holdings, cost basis, allocation against target weights, rebalancing amounts and dividend income.
- [Loan amortization schedule](https://sheetreserve.com/sheets/loan-amortization-schedule): Monthly payment, interest and principal for every period of a fixed-rate loan, with optional extra payments.
- [Molar mass calculator from a chemical formula](https://sheetreserve.com/sheets/molar-mass-calculator): Molar mass of a compound from its element counts, with mass percent and a grams-to-moles converter.
- [Monthly household budget (budget vs actual)](https://sheetreserve.com/sheets/monthly-household-budget): Budget and actual spending by category, the difference for each line and a 50/30/20 check.
- [Monthly profit and loss statement](https://sheetreserve.com/sheets/monthly-profit-and-loss): Twelve months of revenue, cost of goods sold, operating expenses, EBITDA, net income and margins.
- [Monthly weather for 60 world cities, 2025](https://sheetreserve.com/sheets/world-cities-monthly-weather-2025): Temperature, precipitation, humidity, wind and solar radiation for 60 cities, month by month, from NASA POWER.
- [OEE calculator by shift (availability, performance, quality)](https://sheetreserve.com/sheets/oee-calculator): Overall equipment effectiveness for each machine and shift, from planned time, stops, cycle time and rejects.
- [OKR scorecard with weighted key result grading](https://sheetreserve.com/sheets/okr-scorecard): Grade each key result from its start value to its target, roll up objective scores and track weekly check-ins for a quarter.
- [Occupant load and egress width calculator](https://sheetreserve.com/sheets/occupant-load-egress-calculator): IBC 2021 occupant load by space, exits required and egress widths checked level by level.
- [Pareto analysis of defects (80/20 chart)](https://sheetreserve.com/sheets/defect-pareto-analysis): Ranks defect categories by count and by cost, flags the vital few and tracks them by line and week.
- [Pipe pressure drop calculator (Darcy-Weisbach)](https://sheetreserve.com/sheets/pipe-pressure-drop-calculator): Darcy-Weisbach head loss and pressure drop for water in straight pipe, with fittings and a diameter comparison.
- [Prepaid expense and accrual amortization schedule](https://sheetreserve.com/sheets/prepaid-and-accrual-schedule): Amortize prepaid expenses by month and track accrual reversals against a close month.
- [Project Gantt chart with dependencies and milestones](https://sheetreserve.com/sheets/project-gantt-chart): Task schedule with predecessors, lags and milestones, and a weekly Gantt that moves when dates or progress change.
- [Proof of concept (POC) success criteria tracker](https://sheetreserve.com/sheets/poc-success-criteria-tracker): Score POC criteria as met or not met against targets, with weighted results, must-haves, milestones and a recommendation.
- [RACI matrix template with gap and overlap checks](https://sheetreserve.com/sheets/raci-matrix): Assign Responsible, Accountable, Consulted and Informed roles to each task, and flag tasks with a missing or doubled Accountable.
- [RFP compliance matrix with weighted scoring](https://sheetreserve.com/sheets/rfp-compliance-matrix): Score each RFP requirement by priority and compliance level, with weighted compliance by section and status.
- [Reaction stoichiometry and limiting reagent calculator](https://sheetreserve.com/sheets/stoichiometry-limiting-reagent): Limiting reagent, theoretical and percent yield, excess reagent left and reactant masses for a scale-up.
- [Retirement savings projection: contributions, growth and withdrawals](https://sheetreserve.com/sheets/retirement-savings-projection): Year-by-year balance from saving to retirement and withdrawals, with five return and saving scenarios.
- [Risk register with probability and impact scoring](https://sheetreserve.com/sheets/risk-register): Score each project risk by probability and impact, track its response and residual score, and see open risks on a heat map.
- [Room and area schedule](https://sheetreserve.com/sheets/room-area-schedule): Room list for a two-level building with areas in m² and ft², volume, finishes and totals by level and department.
- [Savings goals tracker with progress bars](https://sheetreserve.com/sheets/savings-goals-tracker): Eight savings goals with progress bars, the monthly amount each needs, on-track status and 24-month projections.
- [Solar PV system sizing calculator with monthly production](https://sheetreserve.com/sheets/solar-pv-system-sizing-calculator): Panel count, system size, monthly production against use, bill savings, payback and 25 years of output.
- [Solution preparation and serial dilution calculator](https://sheetreserve.com/sheets/solution-dilution-calculator): Mass to weigh, stock and diluent volumes, unit conversions and serial dilution tables for lab solutions.
- [Solution quote configurator with discounts and margin](https://sheetreserve.com/sheets/quote-configurator): Price a configured solution from a parts list, with line discounts, approval flags, sales tax, margin and lead time.
- [Space program calculator (net to gross)](https://sheetreserve.com/sheets/space-program-calculator): Converts a space program into net, department gross and building gross areas, with summary percentages.
- [Subcontractor bid leveling sheet](https://sheetreserve.com/sheets/subcontractor-bid-leveling): Level subcontractor bids for scope gaps: each excluded or qualified item adds its plug value to the base bid.
- [Team capacity planner by week](https://sheetreserve.com/sheets/team-capacity-planner): Compare each person's weekly available hours with planned hours by project, and flag over- and under-allocation.
- [Time study calculator: observed, normal and standard time](https://sheetreserve.com/sheets/time-study-standard-time): Turns stopwatch readings into normal and standard times, with the cycles needed for a set accuracy.
- [Tolerance stack-up analysis (worst case and RSS)](https://sheetreserve.com/sheets/tolerance-stack-up-analysis): Worst-case and root-sum-square tolerance analysis for a chain of up to 15 dimensions, with pass or fail.
- [Total cost of ownership (TCO) comparison for three options](https://sheetreserve.com/sheets/total-cost-of-ownership-comparison): Five-year cost by year, NPV, cost per user per month and rank for three options, with escalation and risk.
- [Travel budget planner with currency conversion](https://sheetreserve.com/sheets/travel-budget-planner): Trip budget by category in USD, with expenses logged in local currencies and converted with a rate table.
- [Trial balance to income statement and balance sheet](https://sheetreserve.com/sheets/trial-balance-to-financial-statements): Map a trial balance to an income statement and balance sheet, with checks that the books balance.
- [Unit price bid schedule with alternates](https://sheetreserve.com/sheets/unit-price-bid-schedule): Base bid by section, with allowances, contingency, add and deduct alternates and a total contract amount.
- [World cities with population and coordinates (Natural Earth)](https://sheetreserve.com/sheets/world-cities-population-natural-earth): 7,342 populated places with coordinates, Natural Earth population estimates, capitals and World Bank regions.
- [World countries: codes, capitals, area and population](https://sheetreserve.com/sheets/world-countries-geography): 217 countries and territories with ISO codes, capitals, area, population, region and income level.
- [X-bar and R control chart calculator (SPC)](https://sheetreserve.com/sheets/spc-xbar-r-control-chart): Control limits, sigma estimate, Cp and Cpk, and out-of-control flags for subgroup measurements.

## Articles
- [Bank reconciliation step by step, with a worked example](https://sheetreserve.com/blog/bank-reconciliation-step-by-step): Reconcile a bank statement to the cash book step by step, with the two-sided format, a worked example that ties to zero and the journal entries it needs.
- [Customer ROI, payback and TCO: building a business case a buyer trusts](https://sheetreserve.com/blog/customer-roi-and-tco-business-case): ROI, payback, NPV, IRR and TCO for a customer business case, with a worked example that uses an adoption ramp, a 10% discount rate and five years.
- [Earned value management in a spreadsheet: SPI, CPI and EAC](https://sheetreserve.com/blog/earned-value-management-spi-cpi-eac): Calculate planned value, earned value and actual cost in a spreadsheet, then SPI, CPI and EAC, with a five-package example and notes on reading the results.
- [Financial ratio analysis: the ratios that matter, with formulas](https://sheetreserve.com/blog/financial-ratio-analysis-guide): The core financial ratios in four groups, each with its formula, computed for a two-year example company, plus the DuPont check and common mistakes.
- [How to calculate OEE: availability, performance and quality](https://sheetreserve.com/blog/how-to-calculate-oee): Calculate overall equipment effectiveness from shift data: a worked example, how to combine shifts, SUMIFS formulas and the mistakes to avoid.
- [How to size a solar PV system from your electricity use](https://sheetreserve.com/blog/how-to-size-a-solar-pv-system): Size a home solar PV system from 12 months of electricity use: the sizing equation, a worked example, panel count, battery size and simple payback.
- [Markup vs margin in a construction bid, with the math](https://sheetreserve.com/blog/markup-vs-margin-construction-bid): Convert markup to margin and back, build a bid price with overhead, profit and a bond premium, and read where your price lands in a bid tabulation.
- [Molarity, dilutions and C1V1 = C2V2 for preparing lab solutions](https://sheetreserve.com/blog/molarity-dilution-c1v1-c2v2): Work out the mass to weigh for a molar solution, correct for purity and hydrates, then dilute stock with C1V1 = C2V2 and serial dilutions, with worked numbers.
- [NASA's global temperature record (GISTEMP) in a spreadsheet](https://sheetreserve.com/blog/nasa-gistemp-global-temperature-in-a-spreadsheet): NASA's GISTEMP global temperature record in a spreadsheet: reading anomalies against the 1951-1980 base, decade averages, RANK formulas and hemisphere files.
- [Pareto analysis in a spreadsheet: find the vital few defects](https://sheetreserve.com/blog/pareto-analysis-in-a-spreadsheet): Run a Pareto analysis in a spreadsheet: sort defect counts, compute cumulative percentages, find the 80% line, compare count with cost and draw the bars.
- [Spreadsheet functions that work in every app: 53,657 formulas counted](https://sheetreserve.com/blog/spreadsheet-functions-that-work-in-every-app): A count of every function in 54 real workbooks: 44 distinct functions, IF in 53 of 54 files, and the functions the templates avoid so formulas open anywhere.
- [XLSX vs ODS vs CSV file size: measured on 54 real workbooks](https://sheetreserve.com/blog/xlsx-ods-csv-xml-numbers-file-size-benchmark): The same workbook written as XLSX, ODS, CSV, XML and Numbers: median size ratios, extremes and the reasons behind each gap, measured on 54 real files.
- [13-week cash flow forecast guide, with a worked example](https://sheetreserve.com/blog/13-week-cash-flow-forecast-guide): How to build a 13-week cash flow forecast in a spreadsheet, with receipts, disbursements, a revolver line, weekly variance analysis and common pitfalls.
- [Calculating beam deflection in a spreadsheet, with a worked example](https://sheetreserve.com/blog/beam-deflection-in-a-spreadsheet): Calculate beam deflection and moment in a spreadsheet with standard formulas, consistent units, superposition, a worked steel example and the L/360 limit.
- [DCF valuation in a spreadsheet, step by step with a worked example](https://sheetreserve.com/blog/dcf-valuation-spreadsheet-walkthrough): Build a DCF valuation in a spreadsheet with free cash flow, WACC, terminal value, mid-year discounting, an equity bridge and a sensitivity table.
- [Debt avalanche vs snowball: months to payoff with NPER, worked](https://sheetreserve.com/blog/debt-payoff-avalanche-snowball-nper): Compare the avalanche and snowball debt payoff methods month by month on three real-looking debts, and calculate months to payoff and interest with NPER.
- [GDP data explained: current US$, constant prices and PPP](https://sheetreserve.com/blog/gdp-data-current-constant-ppp-explained): When to use GDP in current US dollars, constant prices or PPP, why country rankings change between them, and real 2025 World Bank figures to show it.
- [Global freshwater withdrawals: what the World Bank data shows](https://sheetreserve.com/blog/global-freshwater-withdrawals-what-the-data-shows): World freshwater withdrawals were 3,853 billion cubic meters in 2022. The top withdrawers, sector splits, water stress and how to read FAO AQUASTAT data.
- [How to build a monthly budget spreadsheet you will keep using](https://sheetreserve.com/blog/monthly-budget-spreadsheet-that-lasts): Build a monthly budget spreadsheet with budget vs actual columns, SUMIFS formulas, a 50/30/20 starting split, sinking funds and a month-end reconciliation.
- [How to open a CSV in Excel without breaking your data](https://sheetreserve.com/blog/open-csv-in-excel-without-breaking-data): Why Excel drops leading zeros, rounds long numbers, invents dates and garbles accents when it opens a CSV, and the import settings that prevent each one.
- [Loan amortization in a spreadsheet with PMT, IPMT and PPMT](https://sheetreserve.com/blog/loan-amortization-pmt-ipmt-ppmt): Calculate a fixed-rate loan payment and build the amortization schedule with PMT, IPMT and PPMT, including sign rules, extra payments and the final payment.
- [Room and area schedules for architects, from BIM export to summary](https://sheetreserve.com/blog/room-and-area-schedules-for-architects): How to build a room and area schedule that stays consistent with BIM exports, with net vs gross area, BOMA and IPMS, room numbering and summary formulas.
- [Spreadsheet model design: inputs, calculations and outputs](https://sheetreserve.com/blog/spreadsheet-modeling-inputs-calculations-outputs): Rules for spreadsheets others can trust: separate inputs, calculations and outputs, one formula per row, no hard-coded numbers, units, checks and notes.
- [Where to find reliable public data for your spreadsheets](https://sheetreserve.com/blog/reliable-public-datasets-for-spreadsheets): Public data sources worth trusting for spreadsheets, what each covers, how it is licensed, how to pull it into a sheet, check gaps and cite it properly.
- [Worst case vs RSS tolerance stack-up in a spreadsheet](https://sheetreserve.com/blog/tolerance-stack-up-worst-case-vs-rss): Set up a one-dimensional tolerance stack-up in a spreadsheet, with loop signs, mean-and-tolerance conversion, worst case and RSS compared in a worked example.
- [Writing a construction cost estimate by CSI MasterFormat division](https://sheetreserve.com/blog/construction-cost-estimate-csi-masterformat): Build a construction cost estimate by CSI MasterFormat division, with takeoff, unit costs, markups in order, AACE estimate class and cost per square foot.
- [XLSX, CSV, ODS, XML or Numbers: which spreadsheet format to use](https://sheetreserve.com/blog/xlsx-csv-ods-numbers-which-format): How XLSX, CSV, ODS, XML Spreadsheet 2003 and Apple Numbers differ inside, what each one keeps (formulas, styles, sheets, types) and which to pick for a job.

## Free browser tools
- [CSV to XLSX converter](https://sheetreserve.com/spreadsheet-tools/csv-to-xlsx): CSV in · XLSX out. Turn a CSV, TSV or semicolon-separated file into an Excel .xlsx workbook in your browser. Numbers stay numbers, leading zeros stay text, nothing is uploaded.
- [XLSX to CSV converter](https://sheetreserve.com/spreadsheet-tools/xlsx-to-csv): XLSX in · CSV or ZIP out. Convert an Excel .xlsx workbook to CSV in your browser. Each sheet becomes its own CSV, formulas are written as their last result, and nothing is uploaded.
- [CSV to JSON converter](https://sheetreserve.com/spreadsheet-tools/csv-to-json): CSV in · JSON out. Convert CSV to JSON in your browser: an array of objects or of arrays, numbers typed, no sign-up and no upload. Copy the preview or download the .json file.
- [CSV delimiter converter](https://sheetreserve.com/spreadsheet-tools/csv-delimiter-converter): CSV in · CSV out. Change a CSV delimiter between comma, semicolon, tab and pipe, and fix the file Excel opens in one column. Runs in your browser; nothing is uploaded.
- [Keep leading zeros in Excel](https://sheetreserve.com/spreadsheet-tools/csv-leading-zeros): CSV in · XLSX out. Stop Excel dropping the zeros in ZIP codes, account numbers and IDs. Convert a CSV to .xlsx with the columns you choose written as text. Free, in your browser.

## Questions
- [Can I use Sheet Reserve files in commercial work?](https://sheetreserve.com/questions/can-i-use-sheet-reserve-templates-commercially)
- [Debt avalanche or snowball: which pays off debt faster?](https://sheetreserve.com/questions/debt-avalanche-vs-snowball)
- [Can Google Sheets open ODS files?](https://sheetreserve.com/questions/does-google-sheets-open-ods-files)
- [What is the difference between water withdrawal and water consumption?](https://sheetreserve.com/questions/freshwater-withdrawal-vs-consumption)
- [How are Sheet Reserve files converted in my browser?](https://sheetreserve.com/questions/how-are-files-converted-in-the-browser)
- [How does the Sheet Reserve membership work?](https://sheetreserve.com/questions/how-does-the-sheet-reserve-license-work)
- [How do I calculate how much to save each month for retirement?](https://sheetreserve.com/questions/how-much-to-save-for-retirement-each-month)
- [How do you amortize a prepaid expense by month?](https://sheetreserve.com/questions/how-to-amortize-a-prepaid-expense)
- [How do you apply the NEC 220.44 receptacle demand factor?](https://sheetreserve.com/questions/how-to-apply-nec-220-44-receptacle-demand)
- [How do you calculate the allowance for doubtful accounts from an aging report?](https://sheetreserve.com/questions/how-to-calculate-allowance-for-doubtful-accounts)
- [How do I calculate beam deflection?](https://sheetreserve.com/questions/how-to-calculate-beam-deflection)
- [How do you calculate economic order quantity (EOQ)?](https://sheetreserve.com/questions/how-to-calculate-economic-order-quantity)
- [How do I calculate a loan payment with PMT?](https://sheetreserve.com/questions/how-to-calculate-loan-payment-pmt)
- [How do you calculate molarity?](https://sheetreserve.com/questions/how-to-calculate-molarity)
- [How do I calculate occupant load?](https://sheetreserve.com/questions/how-to-calculate-occupant-load)
- [How do you calculate OEE?](https://sheetreserve.com/questions/how-to-calculate-oee)
- [How do you calculate the payback period for a customer ROI case?](https://sheetreserve.com/questions/how-to-calculate-payback-period)
- [How do I calculate percentage change in a spreadsheet?](https://sheetreserve.com/questions/how-to-calculate-percentage-change)
- [How do you calculate SPI and CPI?](https://sheetreserve.com/questions/how-to-calculate-spi-and-cpi)
- [How do you calculate standard time from a time study?](https://sheetreserve.com/questions/how-to-calculate-standard-time-from-a-time-study)
- [How do you calculate sum-of-the-years'-digits depreciation?](https://sheetreserve.com/questions/how-to-calculate-sum-of-the-years-digits-depreciation)
- [How do you calculate takt time?](https://sheetreserve.com/questions/how-to-calculate-takt-time)
- [How do I cite World Bank data?](https://sheetreserve.com/questions/how-to-cite-world-bank-data)
- [How do I convert XLSX to CSV without losing data?](https://sheetreserve.com/questions/how-to-convert-xlsx-to-csv-without-losing-data)
- [How do you find the limiting reagent?](https://sheetreserve.com/questions/how-to-find-the-limiting-reagent)
- [How do I freeze the header row in Excel, Google Sheets, LibreOffice and Numbers?](https://sheetreserve.com/questions/how-to-freeze-header-row)
- [How do you grade OKR key results?](https://sheetreserve.com/questions/how-to-grade-okr-key-results)
- [How do I keep leading zeros in a CSV file?](https://sheetreserve.com/questions/how-to-keep-leading-zeros-in-csv)
- [How do you level subcontractor bids?](https://sheetreserve.com/questions/how-to-level-subcontractor-bids)
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