Five money spreadsheets that work together
The household budget, a budget for each pay day, every bill on a calendar, the debt plan and the savings pots, in one download. Excel and Google Sheets.
What you get
- 5 Excel workbooks, 44 tabs and 27 chartsHousehold budget planner, payday budget planner, bill and subscription tracker, debt payoff planner, savings and sinking funds tracker
- Google Sheets versionsA make-a-copy link for each spreadsheet on the bundle Open me first page
- 5 PDF guidesEvery tab explained, with the sums checked by hand
- Two zips and an Open me first pageOne folder per spreadsheet inside the zips, each with its workbook, its guide and its own Open me first page
Why this one
- The household budget holds the yearCouncil tax, bills, ISA and pension, with the month and the year side by side.
- A plan for each pay dayThe payday budget starts from your real take-home pay, worked out from your salary, pension and student loan.
- Every bill on a calendarThe bill and subscription tracker puts every direct debit on its day, with its cancel-by date.
- A debt-free dateThe debt payoff planner compares snowball and avalanche and shows the date each way.
- A pot for every goalThe savings and sinking funds tracker gives each goal its own pot, with the ISA and Lifetime ISA allowance built in.
How it works
- Unzip on a computerTwo zips, one folder per spreadsheet, each with its workbook, its guide and its own Open me first page
- Start with one fileThe household budget planner: Settings first, then your income and bills
- Add the others as you need themThe payday budget on pay day, the bill tracker when a renewal is due, the debt and savings planners when you are ready
Who it is for
Anyone in the UK who wants the whole money picture in one place: a household budget for the year, a plan for each pay day, every bill and subscription on a calendar, a route out of debt and a pot for each savings goal. It suits a single person, a couple or a family, on a salary or with a side income. Take-home pay means what reaches your bank account after income tax, National Insurance, pension and any student loan.
Questions
Do I need Microsoft Excel?
No. Each spreadsheet has a Google Sheets version, which is free with a Google account. The Excel files also open in the free web version of Excel.
How do I get it?
Straight after payment it is in your library on this site: two zip files and the bundle Open me first page with the Google Sheets button for each spreadsheet.
Do the five files share data?
No. Each is its own workbook, so you can use one or all five. The guides show which numbers to carry across, for example your take-home pay from the payday budget into the household budget.
Is it cheaper than buying them one by one?
Yes. The five spreadsheets are the same files sold separately on this site, and the bundle is about 40% less than the five together.
Is this financial advice?
No. The figures are your own, worked out to help you plan. Every rate sits on a Settings tab you can update.
Made by Izhar Shah. I built a brand in the evenings alongside a full-time engineering job, and in its first twelve months it passed £500,000 in sales. I make the sheets I wish I had when I started.
Works in
Instant access in your library after payment. Your own figures, not financial advice.