UK Household Budget & Bills Tracker | Google Sheets + Excel + Printable

A UK budget spreadsheet built around the way British households actually get billed: council tax over 10 months, the TV licence, car tax and MOT, ISA allowances and the April tax year. Works in Excel and Google Sheets, with an A4 printable planner included.

WHAT'S INSIDE

- Monthly Budget for 12 months (UK tax year Apr–Mar or Jan–Dec): income, auto-filled bills, everyday spending, sinking funds, savings, debt and 'left to budget'.

- UK bill categories built in: rent/mortgage, council tax, gas & electric, water, TV licence, broadband, mobiles, car tax/MOT/insurance, childcare, subscriptions and more.

- Bills & direct debits list with weekly, fortnightly, monthly, 10-monthly council tax, quarterly and annual frequencies, next due date and 'due in the next 7 days'.

- Bills Calendar with a Paid / Late / Skipped checklist.

- Spending Log (2,000 rows) and Budget vs Actual with charts.

- Sinking funds with targets and progress bars.

- Savings & ISA tracker against the £20,000 allowance, including cash ISA and Lifetime ISA checks.

- Debt payoff planner: snowball or avalanche, debt-free date and interest estimate.

- Annual Dashboard with key figures and four charts.

INCLUDED FILES

1. Blank tracker (.xlsx, 12 tabs)

2. Example tracker filled with made-up sample data

3. 11-page A4 printable PDF planner

HOW TO USE

Google Sheets: upload the .xlsx to Google Drive, open it and choose File > Save as Google Sheets. Excel: open the file and click Enable Editing. Start on the 'Start Here' tab. No macros.

Instant digital download, nothing is posted. This is a budgeting tool, not financial advice.

© The Planning Pantry