UK Bills & Budget Planner: Google Sheets & Excel Spreadsheet with Council Tax, Energy & Savings Goal

See where your money goes each month with a planner built around UK bills. List every bill, whether it's weekly, four-weekly, monthly, quarterly or annual. The sheet converts each one to its monthly and yearly cost and groups them by category. The council tax tab applies the single person discount and sets out your 10- or 12-instalment schedule. The energy tab turns meter readings into real kWh and pounds and tells you whether your direct debit is too high or too low. Log monthly spending against budgets. Overspends are highlighted. Set a savings goal and see your progress and how much to save each month. Clean black and white design, with example figures included. Works in Excel, and in Google Sheets via File > Import.

- Every bill, normalised: weekly, 4-weekly, monthly, quarterly and annual bills converted to monthly and annual costs, totalled by category.

- UK-specific tabs: Council Tax (25% single person discount, instalment schedule) and Energy (meter readings to kWh and £, direct debit check).

- Budget + savings goal: 12-month budget with overspends highlighted, plus a savings tracker.

Made with AI assistance. This spreadsheet was designed and built with the help of an AI assistant, then tested before release. Example figures are illustrative: use the rates on your own bills. It's a budgeting tool, not financial advice.