The UK Budget Spreadsheet (Excel & Google Sheets)

The budget spreadsheet built for UK households. Add your regular payments once, log your spending as you go, and everything else updates itself: dashboards, charts, your bill calendar and your debt-free date.

What's inside (25 connected tabs)

• Dashboard: income vs spending, where your money goes, savings and top spends, plus a month picker
• 12 monthly budgets: budget vs actual, filled in automatically
• Recurring payments: add your pay, bills, subscriptions and savings once, and they're counted every month
• Transactions log: room for 2,000 entries with dropdown categories
• Annual summary: every category, every month
• Bill calendar: see the day each payment leaves your account
• Debt planner: snowball or avalanche, with an estimated debt-free date
• Sinking funds: Christmas, MOT, holidays and your emergency fund
• 50/30/20 check, bank accounts, net worth and a no-spend challenge

Made for UK life

• £ and UK dates built in, with council tax, TV licence and Child Benefit ready to go
• Paid four-weekly or weekly? Extra paydays are counted automatically
• Works for one person or a couple

What you'll receive

• The Excel file (best in Microsoft Excel 365 or a recent desktop version)
• A PDF with your Google Sheets link, so you get your own private copy in one click (free Google account needed)
• A built-in Start Here guide: set up in about 20 minutes

Digital download only. No physical item is sent. Not compatible with Apple Numbers. Delivered blank; listing images show sample data. For personal use. A budgeting tool for general guidance, not financial advice.