UKTAXDRAG Budget Workbook
This is a branded Excel template for beginners who need one clear place to put income, bills, debt, savings goals and subscriptions. It is intentionally private: the file lives on your computer and the site does not receive the numbers you type into it.
Download the Excel workbook
Includes Start Here, Dashboard, Monthly Budget, Bills Calendar, Debt Plan, Savings Goals, Subscriptions, and Sources & Notes tabs.
What is inside
Dashboard
Shows income, outgoings, leftover cash, savings rate, priority bills, debt payments and spending mix.
Monthly Budget
The main input sheet for income and spending. Planned and actual columns show drift.
Bills Calendar
Turns monthly, weekly, quarterly and annual bills into an annualised amount and monthly set-aside.
Debt Plan
Lists balances, APRs, minimum payments, extra payments and approximate months to clear.
Savings Goals
Builds emergency funds and sinking funds from target, current balance and monthly contribution.
Subscriptions
Annualises small costs so they become proper household decisions.
The 30-minute first setup
- Open the file and save your own private copy.
- Enter take-home income on Monthly Budget.
- Enter fixed bills and flexible spending, even if the first pass is rough.
- Add recurring bills to Bills Calendar so annual costs stop surprising you.
- List debts with APR and minimum payment on Debt Plan.
- Add one emergency fund goal and one annual bill goal on Savings Goals.
- Return to the Dashboard and choose one action for the next month.