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UK Budget Spreadsheet 2026/27: take home pay

UK Budget Spreadsheet 2026/27: six boxes

UK Budget Spreadsheet 2026/27: budget and actual

UK Budget Spreadsheet 2026/27: left over

UK Budget Spreadsheet 2026/27

An April-to-March budget built for UK money. Type your gross salary and it gives you real take-home pay, then a month-by-month budget, a bills tracker and a dashboard that does the maths.

£12.59 on EtsyUK price, VAT included. Instant download, nothing is posted.

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Bought it already? Here's where your files are.

What it does

Take-home pay calculator covering income tax for England, Wales and Northern Ireland or Scotland, National Insurance, pension and student loan Plans 1, 2, 4, 5 and Postgraduate
Monthly, 4-weekly or weekly pay, with salary sacrifice yes or no, and 2026/27 rates on an editable tab
31 categories in four bands: income, bills, everyday, and savings and debt
Budget and actual for every month, year totals, and a variance that tells you if you are ahead
A dashboard with savings rate, income versus spend, top five categories and a spend by month chart
A bills tracker with paid ticks by month, and an Export to Calm Money tab for our budget app (sold separately)

What you get

Four colourways, all included: Pastel, Bright, Dark and Earthy, with identical formulas
A zip of Excel files (.xlsx): an example version with numbers in, and a blank version, for every colourway
A PDF with a Google Sheets copy link for each colourway (free Google account needed)

Good to know

Works in Google Sheets and in Excel 2016 or newer; no macros, nothing to enable
Works on a phone in the Google Sheets app; setting it up is easier on a laptop. Not editable in the Etsy app
Cells with a coloured border are yours to type in; everything else is worked out for you and protected against a stray click