Personal finance spreadsheets
Household budgets, expense tracking, mortgage repayments and savings goals in spreadsheets that use pounds, UK dates and A4 paper.
These spreadsheets are built around how money works in the UK: take-home pay after tax and National Insurance, Council Tax and energy direct debits in the budget, and a mortgage calculator for a capital repayment mortgage with an overpayment field that shows your new mortgage-free date. The savings tracker is a simple way to build an emergency fund or a house deposit, and the expenses spreadsheet keeps a running total by category.
Every file uses £, dd/mm/yyyy dates and A4 paper, and opens in Excel, Excel for Mac, Google Sheets and LibreOffice. No macros, no add-ins, no account. Download the .xlsx or make a copy in Google Sheets.