Budget Tracker

The budget tracker I'd give a friend, created by an NHS nurse who gets asked "how do you budget?" more than anything else.

Simple enough to keep up with, detailed enough to actually help. Plan your month, track what really happened, and watch your savings grow and your debts shrink. It does all the maths for you.

WHAT'S INSIDE THE TRACKER

• Budget Plan: your money split into fixed costs, variable spending and savings, with your percentages worked out for you

• 12 Months: a whole year on one page. Type what you spent and see what went over (and what went under)

• This Month: pick any month and see plan vs actual, line by line

• Savings Goals: emergency fund, Christmas, holidays. It tells you exactly what to put away each month

• Debts: every debt in one place, with the date you could be debt-free

PLUS a short PDF guide that walks you through every tab, step by step, and a 20-minute monthly routine to make it a habit.

IMPORTANT: YOU NEED A GOOGLE ACCOUNT

The tracker is a Google Sheet. After you buy, open the PDF and tap the link on page 2 to make your own copy. You'll need a free Google account (a Gmail address) to do this. It works on your laptop, or on your phone with the free Google Sheets app. Your copy is private, so nobody else can see your numbers, including me. It doesn't work in Excel or Numbers.

Instant download. Yours forever.

For education and personal organisation only, not financial advice. If debt is worrying you, free and confidential help is available from MoneyHelper.

Digital product: by purchasing you agree to immediate access and waive the 14-day cancellation right. If something is broken and I can't fix it, I'll refund you.