The Money Planner | Budget Spreadsheet for Google Sheets, Monthly & Annual

Your whole money life in one easy spreadsheet. No formulas to write: just type in the yellow cells and everything else updates for you.

What's inside (21 tabs)

• Setup: add your income, bills, spending categories, savings and debts once. They fill every month automatically.
• 12 monthly budgets: summary cards, a planned vs actual chart, a spending donut, a bill tracker with paid ticks, and an expense log that fills in your spending by category.
• Annual Dashboard: your whole year in one place, with monthly trends and spending by category.
• Savings Goals: set a target and a date, and it tells you exactly what to save each month.
• Debt Payoff: track every debt, see your progress, and get your payoff order (snowball or avalanche).
• Sinking Funds: split yearly costs like Christmas and car insurance into monthly amounts.
• Subscriptions: see what you really pay each year, and what you'd save by cancelling.
• UK Pay Calculator: work out your take-home pay after tax, NI, pension and student loan (2026/27 rates).

How it works

After checkout you'll get a PDF with a link. Tap it and choose "Make a copy", and the spreadsheet is yours. You'll need a free Google account. Works on desktop and in the Google Sheets app. Prefer Excel? An Excel version is included too. Works in any currency.

For personal use only. A budgeting tool only, not financial advice.