Budgeting Template
Last Updated: Nov 3, 2025
The Only UK Budgeting Template You’ll Ever Need to Take Control of Your Money.
Track your income, spending, savings goals, and net worth — all in one powerful, easy-to-use spreadsheet.
Why You’ll Love This Budget Template
Clarity at a Glance – See exactly where your money goes each month.
Stay Accountable – Set goals and track progress visually.
Built for the UK – Pre-loaded with UK tax and cost-of-living insights.
Easy and Customisable – Works in Excel or Google Sheets — no setup required.
How It Works
Download the Template – Choose Excel or Google Sheets.
Add Your Numbers – Plug in your income and expenses.
Watch It Work – Track your goals and see progress automatically.
You also receive a detailed instruction document and a video that explains the budget template from A to Z.
Packed with Smart Features
This all-in-one budget template gives you total control over your finances — whether you’re managing your first budget or levelling up your money game. Built for clarity, simplicity, and long-term progress.
Track Everything in One Place
Income tracker – Keep tabs on your salary, side hustles, and passive income streams.
Expense tracker – Categorise every spend — from groceries to nights out — with clean summaries.
Monthly overview – See your total income, spending, and savings in a single snapshot.
Investment rate – Instantly know how much of your income you’re investing each month.
Smarter Insights, Better Decisions
Net position – See if you’re in surplus or overspending.
Dynamic charts – Visual breakdowns by category and month.
Trends & averages – Spot spending patterns with rolling 3-month analysis.
Automatic rollovers – Carry unspent budgets forward without lifting a finger.
Stay Focused on Your Goals
Goal tracker – Set clear financial targets and watch your progress grow.
Savings dashboard – Monitor all your accounts and goal progress visually.
Debt tracker – Manage balances, interest rates, and repayment timelines.
Plan Ahead Like a Pro
Monthly snapshot dashboard – View your full financial picture in seconds.
Net worth tracker – See your wealth grow over time with simple charts.
Forecasting tab – Predict your next 3–6 months of income and expenses.
Cash flow calendar – Know exactly when bills hit and money comes in.
Built for Real Financial Progress
Financial health score – Understand how strong your finances really are.
Financial forecast – Get a forecast of what your financial position will look like for up to 5 years.
Exclusive bonuses – Unlock offers and deals that help you stretch your budget further.
Your money, organised — finally.
Get the template, take control, and start building the financial future you deserve.
Pay Once, Get Lifetime Updates
Once you purchase your budget template, you’ll instantly receive a secure download link with the full budgeting template, step-by-step setup instructions, a short video walkthrough — and lifetime access to all future updates, completely free.
Buy now
Budget Template: FAQ
1. What exactly is included in the budgeting template?
You’ll get the full interactive budgeting template, built in both Excel and Google Sheets formats. It includes income and expense trackers, automatic summaries, charts, goal tracking, debt tracking, a net worth dashboard, a financial health score, and more. You’ll also receive a setup guide and a short video walkthrough showing exactly how to use it.
2. How will I receive the template after purchase?
Once you’ve completed your payment, you’ll instantly receive a download link via the payment screen. The link includes both the Excel and Google Sheets versions, step-by-step instructions, and access to the video tutorial. You’ll also be automatically added to the update list, so you’ll receive all future versions for free.
3. Is the template easy to use if I’m not great with spreadsheets?
Yes — it’s built for beginners and experienced users alike. Everything is colour-coded, clearly labelled, and automated wherever possible. You don’t need to know any formulas — just fill in your income and expenses, and the rest updates automatically.
4. Can I use it on Google Sheets or do I need Excel?
You can use it on either. The template works perfectly on both Excel (desktop) and Google Sheets (online). If you prefer cloud access and real-time syncing, Google Sheets is a great option.
5. Will I get future updates?
Yes — you’ll have lifetime access to all future updates, completely free. Whenever I improve the template or add new features, you’ll get an email with the updated version and a changelog explaining what’s new.
6. Can I use the template for business finances too?
While it’s primarily designed for personal budgeting, many small business owners and freelancers use it to manage their income and expenses. You can easily rename or add categories to make it fit your business needs.
7. How is this template different from free ones online?
Most free templates cover the basics but stop there. This one includes powerful tools like automated insights, trend analysis, debt and savings tracking, a financial health score, and visual dashboards — all in one place. It’s designed to be something you’ll actually use every month, not another file that gathers dust.
8. What if I get stuck or need help setting it up?
No problem — the download includes a video walkthrough that explains every section step by step. If you still have questions, you can email us directly, and we’ll help you get it sorted.
9. Can I share the template with friends or family?
Your purchase is for personal use only, but you can definitely help friends or family by showing them how it works. If they want their own version, please direct them to the download page — every purchase helps support future updates and improvements.
10. Is there a refund policy?
Because the template is a digital download, refunds aren’t available once you’ve received access. However, I’m confident you’ll find massive value in it — and if you have any issues, we’ll help you get it working as intended.
Get Yours Today
Bring structure to your spending and peace of mind to your finances — get the template and start your journey today.
Buy now
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About Next Steps
Next Steps helps UK readers move forward on their personal finance journey with clear, practical advice. From budgeting and saving to investing and building long-term wealth, we make money management simple, actionable, and designed for real life.
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