Budgeting
Budget Snapshot
Take-home minus housing, council tax and bills — what’s really left over per month, week and day. Handles the 10-month council-tax cycle.
UK money spreadsheets,
built properly.
Making Tax Digital trackers, household budgets and plain-English guides for the way money actually works in the UK. Every formula tested; every fact checked against gov.uk.
✓ Verified against HMRC & gov.uk✓ Every formula worked-example tested✓ Excel & Google Sheets
Free tools
Try the maths before you buy the spreadsheet
Three free UK calculators, right in your browser — the same tested engine behind our templates. No sign-up, nothing leaves your device.
Saving
Sinking Funds
MOT, car tax, insurance, TV Licence, Christmas — the small amount to set aside each month so lumpy bills never ambush you.
The difference
Most money templates are ugly grids you have to trust blindly. Ours you can check.
This whole shop exists because the tools we needed either did not exist for the UK, or existed and were wrong. So we built them the other way round — correct first, then made them clear.
Every formula tested
Each spreadsheet is reconciled against a hand-calculated worked example — known inputs, verified outputs — in both Excel and Google Sheets before it ever goes on sale. A visible QA sheet ships inside.
Facts checked against gov.uk
Tax box numbers are read straight off HMRC's published forms; council-tax, MOT and allowance figures come from gov.uk, with sources listed in every download.
Built for UK money
Council tax over 10 months, four-weekly pay, Section 24, the £1,000 trading allowance — the mechanics US-built templates miss are the whole point of ours.
Templates
A few to start with
Tax trackers and household budgets, all designed as one calm, consistent set. Twenty-two in the full catalogue.
MTD ITSA Quarterly Tracker — Non-VAT Sole Trader
Log income and expenses once and get every quarter's MTD figures and SA103S box numbers, HMRC-mapped and QA-checked.
£19View details
UK Monthly Pay-Cycle Household Budget
A monthly household budget built around real UK council tax billing — automatic 10-month instalments, Feb & Mar free.
£14.99View details
Plain-English Guide to Making Tax Digital for Income Tax
A 22-page plain-English guide to MTD ITSA for sole traders and landlords, fact-checked against HMRC guidance.
Debt Snowball & Avalanche Dual-Method Tracker
Runs your debts through both the snowball and avalanche methods at once, with automatic rollover when one clears.
£12.99View details
UK Council Tax & Utilities Bill Calendar
Lines up council tax and every direct debit into one month-by-month grid, with the real 10-month cycle built in.
£9.99View details
HMRC Box-Number Cheat Sheet — SA103S, SA103F & SA105
A quick-reference mapping every SA103S, SA103F and SA105 box in plain English, verified against HMRC's own forms.
Guides
Plain-English answers, free to read
Genuinely useful explainers on UK tax and budgeting — the kind of thing we wished existed when we were figuring this out.
Tax & MTD
What is Making Tax Digital for Income Tax? A plain-English guide
MTD for Income Tax explained without the jargon: what changes, who it affects, digital records, quarterly updates and the final declaration for 2026/27.
8 min readRead
Budgeting
Why is council tax only 10 months? (and how to spread it over 12)
Council tax is usually paid in 10 monthly instalments from April to January, with none in February or March. Here is why, and how to ask your council to spread it over 12 months instead.
5 min readRead
Budgeting
Debt snowball vs avalanche: the actual maths
The debt snowball pays the smallest balance first; the avalanche pays the highest interest rate first. Here is the real arithmetic behind each, and how to choose.
7 min readRead