UK-first by design
Pound formatting, dd/mm/yyyy dates, Council Tax, TV Licence, energy, broadband and the UK tax year (6 Apr–5 Apr).
UK money spreadsheets · Excel & Google Sheets
Spreadsheets that add up.
Clean, practical UK budgeting templates for real life — Council Tax, TV Licence, HMRC tax years and all. Instant digital downloads, made by a sole trader who answers his emails.
Instant download · EXAMPLE + BLANK in every product · Personal use only
What you get
Built for British bills, not American guesswork
Every template opens in Microsoft Excel or Google Sheets, starts with a clear Start Here tab, and includes an EXAMPLE file filled with made-up data plus a BLANK ready for your figures. No macros, no subscriptions.
EXAMPLE + BLANK
See how it works with sample numbers first, then start fresh with your own income, bills and goals.
Instant download
Buy on Payhip, download straight away. Opens in Excel 2010+ / Microsoft 365 or Google Sheets — nothing to install.
The spreadsheets
Pick one, or grab the lot
Secure checkout on Payhip. You'll get the files by instant download after payment — nothing is posted.
Best value
UK Money Spreadsheet Bundle
All four templates in one zip, plus a one-page PDF quick-start. Save over £9 versus buying separately (£27.96).
UK Monthly Household Budget
Budget vs actual for 12 months, UK bills, sinking funds, month picker and charts. Plan once, track every month.
UK Side Hustle & Self-Employed Tracker
Income, HMRC-category expenses, 45p/25p mileage, trading allowance check and a Self Assessment tax estimate.
Debt Snowball Tracker
Compare snowball vs avalanche vs minimums, see your debt-free date and track real balances against the plan.
Christmas Budget & Gift Tracker
Gifts, food, extras and a savings pot with countdown — so December doesn't wreck January.
How it works
Three steps, then you're in
Choose a template
Pick a single spreadsheet or the full bundle. Every Buy button takes you to a secure Payhip checkout.
Download instantly
After payment, download your zip. Inside: EXAMPLE and BLANK files, ready for Excel or Google Sheets.
Follow Start Here
Open the EXAMPLE first to see how it works, then fill in the BLANK with your own numbers. That's it.
About
Hi — I'm Billy, behind Tidy Sums Co
I make clean UK money spreadsheets for real life: household budgets with Council Tax and TV Licence baked in, side-hustle trackers that speak HMRC, debt plans you can actually follow, and a Christmas tracker so December doesn't wreck January.
I'm a UK sole trader. These are planning tools for personal use — not financial or tax advice. If something's unclear, email me and I'll happily help.
Email BillyFAQ
Common questions
What software do I need?
Microsoft Excel (2010 or later / Microsoft 365) or Google Sheets. Upload to Google Drive and open with Sheets, or use File → Import. No macros or add-ins required.
Is this financial or tax advice?
No. These are personal planning templates only. The side-hustle tracker includes estimated tax figures using published rates for England, Wales & Northern Ireland — they are not advice, and Scottish income tax bands differ. Tidy Sums Co is not FCA regulated.
Do I get updates when tax rates change?
Rates on the side-hustle tracker sit on an editable Settings tab, so you can update them yourself each April. Check gov.uk for the latest figures.
Can I use these for my business clients?
Licensed for personal use only — please don't share, resell or use them as client deliverables. Message me if you need a different arrangement.
How do refunds work?
Because these are instant digital downloads, refunds are limited once files have been delivered. If a file won't open or something looks wrong, email billydev22@yahoo.co.uk and I'll sort it.
Where does checkout happen?
All purchases go through Payhip (card payments via Stripe). This site doesn't take payment — Buy buttons open the product page on Payhip.