Learn English – Simple Present for Future Actions

Both are grammatical. Both are perfectly normal (though the form with have is probably less common).

They have different meanings: not in the sense that they describe different sets of circumstances, but that they look at them in different ways.

I will finish my money by the end of the week is not focussing on a time, or if it is, it is focussing on a time before the end of the week: it is looking into the future.

I will have finished my money by the end of the week is placing the viewpoint at the end of the week, when all the money has gone. It is looking into (what will then be) the past from a point in the future.

Almost any action verb can be used in the present tense for a scheduled future event.

The ship sails tomorrow for London.
We race tomorrow at 5 pm.
We meet tomorrow at noon.

There are some verbs where it is very improbable for there to be a scheduled future event.

The ship sinks tomorrow at 3pm.

But if the ship was scheduled to sink, the sentence would be grammatical.