UK Budget Planner: plan your next 5 years
A zero-based budget, monthly tracker, 5-year forecast and UK take-home pay calculator in one Google Sheet. Enter your numbers once and everything else updates for you.
- Every pound gets a job: "Left to allocate" always hits £0
- Plan pay rises, bonuses and life events years ahead
- No subscription, no app, no bank login
- Designed by a Chartered Accountant
Dashboard
Your whole financial picture on one page
A financial health score, your single most useful next step, upcoming key dates and progress on every goal. Open it once a month and you know exactly where you stand.
Zero-based budget
Every pound gets a job
List your income and outgoings once and the planner builds your monthly budget. Anything left over is swept into your chosen spare-cash account, and any shortfall is drawn from it, so "Left to allocate" always lands on £0. Sinking funds smooth out holidays, car costs and other irregular bills.
Monthly tracker
Tick it off, month by month
Mark bills and savings as paid, or override a planned amount when real life differs. Enter your actual account balances each month and the planner highlights them so you can see plan versus reality.
5-year forecast
See where you will be in five years
Add pay rises, bonuses, a new baby, a house move or a loan ending in Planned Changes, and your savings and net worth forecast updates instantly. Debts pay down automatically.
Take-home pay
UK take-home pay, worked out for you
Income tax (including Scottish rates), National Insurance, student loan plans, pension and salary sacrifice, and the Child Benefit charge. Built for the 2026/27 tax year.
Goals & allowances
Goals and tax wrappers, tracked
Set savings goals with target dates and progress bars, and keep an eye on your ISA, Lifetime ISA, Junior ISA and pension allowances so you use them before the tax year ends.
What's inside
11 connected tabs, one plan. Fill in four tabs and everything else updates on its own.
Start Here
Set upYour details, goals and setup guide
My Plan
Set upIncome, bills, savings and debts, plus the monthly tracker
Planned Changes
Set upPay rises, bonuses, a new baby, a house move
Balances
Set upYour accounts, updated once a month
Dashboard
SeeHealth score, next step, key dates and charts
Budget
See60 months of zero-based budget
Forecast
SeeSavings, pensions and debts projected
Take-Home Pay
ToolsUK tax, NI, student loans and pensions
Allowances
ToolsISA, Lifetime ISA and pension limits
Bank Switches
ToolsTrack switching bonuses and deadlines
Tax Settings
Tools2026/27 UK rates, easy to update
Built for real life
Handles the situations real households face
Step-by-step guidance for 22 situations, built into the Start Here tab. Couples or singles, any start month, up to 100 budget lines and sinking funds built in.
- Weekly or 4-weekly pay
- Yearly & quarterly bills
- Variable income
- Self-employed
- Bonus or windfall
- Pay rise or new job
- Maternity & paternity leave
- Children & childcare
- Job loss or career break
- Buying a home
- Remortgaging
- Paying off debt early
- 0% credit cards
- Workplace pension
- Personal pension (SIPP)
- Living alone
- Couples: joint & separate money
- Rental income
- Retiring soon
- Overspending
- Starting mid-year
- A fresh 5-year plan
How it works
Make your copy
After payment, click "Make a copy" to save the planner to your Google Drive.
Add your numbers
Fill in your settings and one list of income, bills, savings and debts.
Check in monthly
Tick off what was paid, enter your balances and follow your next step.
UK Budget Planner
£14.99
One-off payment. No subscription.
- The full UK Budget Planner for Google Sheets
- 11 connected tabs, with an example version for a couple plus a blank version
- Instant access straight after payment
- Free updates for every new tax year
- Email help if you get stuck setting up
Secure checkout by Stripe · Google Sheets only (not Excel)
Want help setting it up?
Book a one-to-one personal finance review and we'll fill in the planner together, work through your numbers and leave you with a clear action plan.
Book a review callFrequently asked questions
How do I get the planner after I pay?
You're taken straight to a download page with your 'Make a copy' links. One click saves the planner to your own Google Drive. Stripe also emails your receipt.
Does it work in Excel or Numbers?
No. It is built for Google Sheets, which is free with any Google account. It works on a computer, phone or tablet, though setup is easiest on a bigger screen.
Do I need to connect my bank?
No. There is no app, no subscription and no bank login. Your copy lives in your own Google Drive and only you can see it.
Will I get updates when tax rates change?
Yes. Bookmark your download page: it always links to the latest version, updated for each new tax year at no extra cost.
Is it suitable for couples?
Yes. Every item can be assigned to Person 1, Person 2 or Joint, and the take-home pay calculator handles two salaries.
I'm not great with spreadsheets. Will I manage?
Yes. You only type into one list on My Plan plus a few settings. Everything else updates automatically, and the example data shows you how each part works.
Can I share it with friends?
Please don't share or resell the planner or its links. It is licensed for personal use in your own household.
Is this financial advice?
No. The planner is a planning tool, not regulated financial advice. Projections are estimates based on the figures you enter.
Ready to give every pound a job?
Get the UK Budget Planner today and have your next five years mapped out by tonight.
Get the planner · £14.99