The Budget Planner That Works for Any Income
 
Take control of your money in 2026 with a personal budget planner spreadsheet built for real life.
 
Whether you're employed on a salary, self-employed with income that changes month to month, or a contractor on a day or hourly rate, this all-in-one budget tracker adapts to how you actually earn — and does the maths for you.
 
No more wrestling with a budget spreadsheet that only fits one way of getting paid, or juggling three different apps to see where your money goes. Set up your income once, and it fills in across the whole year automatically.
 
What makes this budget planner different
 
Most budget templates assume a single, steady salary. This one doesn't. A simple Setup tab lets you choose how you're paid — annual salary, monthly salary, day rate or hourly rate — and instantly calculates your estimated monthly take-home. Prefer to keep things simple? Just type your take-home figure in and you're away. Either way, that number flows into every month so you're never re-entering it.
 
Everything you need in one spreadsheet
 
Automatic take-home calculator. Enter a salary, day rate or hourly rate and your monthly take-home is worked out for you, ready to track against your spending.
 
Full 12-month tracker. Log your income, bills, everyday spending and savings for every month from January to December. Every total updates the moment you type.
 
Annual dashboard. See your whole year at a glance — income, outgoings, savings and your net position each month, plus the key numbers that matter.
 
Financial health score. Your finances scored out of 100, with clear, practical tips to help you improve month on month.
 
Goals tracker. Set targets for your emergency fund, a holiday, a house deposit, paying off debt and more — and see exactly how many months until you reach each one.
 
Income and career planner. Practical ideas for growing your income, plus "what if I earned more" scenarios to keep you motivated.
 
Optional side income. Got a side hustle, freelance work or a second job? Dedicated sections let you track extra income and business costs without cluttering things if you don't need them.
 
Simple to use, impossible to break
 
Every cell you need to fill in is highlighted in a soft yellow — everything else calculates automatically, so you can't accidentally break a formula. If you can type a number into a box, you can use this planner. A short Read Me tab walks you through it in minutes.
 
Works wherever you do
 
The budget planner works seamlessly in Microsoft Excel, Google Sheets and Apple Numbers. There's no software to install and no subscription — buy it once and it's yours to reuse year after year.
 
What you'll receive
 
Your instant digital download includes two files: a ready-to-use copy for your own numbers, and a filled-in example so you can see exactly how everything works before you start. As soon as your order is complete, you can download both straight away.
To use it in Google Sheets, simply upload the file to Google Drive and open it with Google Sheets — full step-by-step instructions are included.
 
Take the first step toward calmer finances
 
Budgeting shouldn't feel like a chore or a maths exam. With everything in one clear, calming spreadsheet that updates itself, you'll always know where you stand — and where you're headed.
 
Add the personal budget planner to your basket and start your 2026 on the front foot.