Student Budget Spreadsheet UK, Student Loan Budget Planner

Make your student loan last the whole year. Type in your loan payments, rent and bills once, and this spreadsheet tells you exactly how much is safe to spend each week until the next payment lands.

Student money doesn't arrive monthly like a wage. It comes in big lumps (three maintenance loan payments a year, or a financial aid refund each semester) and then has to stretch for months. Most budget templates are built for monthly pay. This one is built around your payment dates: it takes off every bill due before your next payment, splits what's left into a weekly figure, and projects your bank balance week by week to the end of the year so you can spot a tight month long before it arrives.

WHAT'S INSIDE (7 tabs)
- Dashboard: balance now, days until your next big payment, SAFE TO SPEND each week until then, what's left this week, money coming in and bills due before your next payment, lowest balance this year, and this week's spending by category against your budget (with progress bars), plus your year at a glance
- Weekly Plan: every week of your year with money in, bills, what you spent (or your budget for future weeks) and your projected bank balance, with a chart and overdraft warnings
- Money In: 40 rows for loan payments, bursaries, scholarships, family money and job wages. Repeating payments (weekly, fortnightly, every 4 weeks, monthly) need just one row
- Bills: 40 rows for rent, phone, gym, travel passes, course books and trips home. Termly rent or monthly bills, one row each
- Spending Log: 600 rows for day-to-day spending, sorted into 12 categories you can rename
- Setup: your year's start and end dates, money in the bank on day one, overdraft limit and a weekly budget for each category

WHAT YOU GET
- UK Student edition (£, UK dates, maintenance loan example) and US College edition ($, US dates, financial aid example)
- Quick Start guide (PDF)

A practical gift for freshers, a new term, or anyone whose loan ran out too early last year. Works for parents helping a student plan, too.

HOW IT WORKS
- Download the files from your Etsy Purchases page
- Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
- Excel: just open it (Excel 2010 or later, Windows or Mac, or Excel for the web)
- Type in the cream cells. Everything else updates on its own
- A Quick Start PDF walks you through setup in 5 minutes

GOOD TO KNOW
- Plain formulas only: no macros, no add-ins, no subscriptions
- Formula cells are locked so you can't break them by accident (no password, so you can unlock and customise)
- Apple Numbers and LibreOffice aren't officially supported

PLEASE NOTE
- This is a DIGITAL download. Nothing physical will be shipped.
- Personal use only. Please don't share or resell the files.
- This is a planning tool, not financial advice. Loan amounts and payment dates in the examples are made up: use your own.

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