Free Monthly Budget Spreadsheet (UK-Friendly)

Want to take control of your finances and live more frugally? I've created a simple, easy-to-use monthly budget spreadsheet — perfect for UK households. Track your income, bills, spending, savings, and more in one place.

📊 What’s Included:

  • Income and bills tracker
  • Subscriptions and everyday expenses
  • Savings and debts planner
  • Savings goals section — plan and visualise your future funds
  • £1 to £365 Savings Challenge — stay motivated as you save!

💡 What is the £1 to £365 Savings Challenge?

This challenge helps you gradually save £665 in a year. You simply save an amount between £1 and £365 — one of each — and tick them off as you go. You can save the biggest amounts first, smallest first, or mix it up depending on your budget that week. It’s a flexible and fun way to build savings!

📌 Sample Data & Formulas

Each sheet includes sample data to show how to use it. Please delete or replace only the numbers — not the formulas. Any field with calculations will update automatically, so just type your values into the correct cells.

  • DO: Replace numbers like income, bills, and savings with your own
  • DON’T: Delete anything that has a formula (look for totals or pre-filled cells)

📈 Why Is Budget Tracking Important?

Tracking your budget helps you understand exactly where your money is going. It lets you plan ahead, avoid debt, save more, and live within your means. With a clear overview, it’s easier to make smarter choices and achieve your financial goals — big or small.

🔗 How to View or Download

Click the button below to open the spreadsheet in Google Sheets. From there, you can:

  1. Make your own editable copy: Go to File > Make a copy (you’ll need to be signed into Google).
  2. Download: Go to File > Download and choose Excel, PDF, or CSV format if you prefer offline use.

📥 Download Budget Spreadsheet

If you need any help using the spreadsheet or want me to explain how something works, please drop me a message — I’d be happy to help!

Let me know if you find it helpful, or if there are other features you’d like me to add in future versions. Here’s to smarter saving and stress-free budgeting! 💚

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