Budget spreadsheet · Households
Personal Budget Planner
FOR: UK households and individuals. YEARS: any budget year, with Child Benefit rates for 2025/26 and 2026/27 built in.
A household budget that understands UK money.
Instant download from Etsy. One .xlsx file, no macros.
Who it's for
Couples and families who want one place for the household money, anyone paid four-weekly or weekly who is fed up of budget sheets that assume monthly pay, and anyone with a credit card or loan who wants a realistic date for clearing it. Works just as well for a single person.
Why it's different
Most budget templates are American and assume monthly pay and 12 equal bills. This one is built around how UK households are paid and billed: four-weekly and weekly pay converted properly (x13/12 and x52/12), council tax spread over 10 instalments, Child Benefit rates for 2025/26 and 2026/27 in Settings with the High Income Charge noted, and a debt-free estimate that rolls each cleared payment into the next debt. Every assumption lives on the Settings tab so you can change it yourself.
What's inside
- Start Here: plain-English instructions and colour key
- Dashboard: income, bills, left over per pay period, savings rate against your goal, emergency fund progress, debt-free date, net worth, month-by-month and category tables
- Settings: budget year start month, pay frequency, council tax over 10 or 12 months, Child Benefit helper for 2025/26 and 2026/27, savings rate goal, debt payoff method
- Income: take-home pay from any frequency, converted to monthly and annual
- Bills: 30 rows of fixed commitments with due day, category and monthly equivalent, plus totals by category
- Budget: 25 categories (rename any of them), planned by month, actual from your transactions, variance in red where you are over
- Transactions: 1,500 rows, dropdown categories, month filled in automatically
- Savings Goals: emergency fund target worked out from your own essential bills, plus monthly amount needed and progress bars for every goal
- Debt Payoff: snowball or avalanche order, monthly interest per debt, months to clear at minimums, estimated debt-free month and interest saved
- Net Worth: assets and liabilities by month with change on the previous month
A look at the tabs
The same images buyers see on Etsy. Every figure shown is demo data.
Requirements
Microsoft Excel 2016 or later (Windows or Mac). Also works in LibreOffice. No macros. Not designed for Apple Numbers.
Years and updates
Works for any budget year: set the start month and year in Settings. The optional Child Benefit helper holds the 2025/26 and 2026/27 rates and picks the right one. When we update this file (for example when HMRC changes a rule it uses), message us on Etsy with your order number and we'll send you the new version free.
Downloads and refunds
Instant digital download through Etsy. If a file is faulty or not as described, we fix it or refund you. How downloads, updates and refunds work.
Questions people ask
Which tax years does it cover?
Works for any budget year: set the start month and year in Settings. The optional Child Benefit helper holds the 2025/26 and 2026/27 rates and picks the right one. When we update this file (for example when HMRC changes a rule it uses), message us on Etsy with your order number and we'll send you the new version free.
Does it work in Google Sheets or Apple Numbers?
It's built and tested in Microsoft Excel 2016 or later, on Windows and Mac, and also works in LibreOffice. It isn't designed for Apple Numbers, and we don't claim Google Sheets support because we haven't tested it there.
How does it arrive?
As an instant digital download from Etsy after purchase: one .xlsx file, no macros, nothing to install. No physical item is sent.
Is it tax advice?
No. It's a record-keeping and planning tool with every figure visible and sourced. Check current rates on gov.uk or with an accountant before you file, especially if your situation is unusual.
What if something is wrong with the file?
Digital downloads can't be returned once downloaded, but if the file is faulty or not as described, message us through Etsy or email and we'll fix it or refund you.