• UK Budget Spreadsheet 2026/27: main listing photo showing the product with an 'Instant download' badge and flat banknote, receipt, piggy bank and coins icons. Digital product from Neat Wren Studio.
  • The per payslip breakdown of gross pay, pension, income tax, NI and student loan, £2,234.52 take-home a month, under the headline Your real take-home pay.
  • The take-home pay calculator with six input boxes, such as gross annual salary and student loan plan, under the headline Six boxes to fill in.
  • The monthly budget 2026/27 tab with budget and actual for each income and bill category, under the headline Budget and actual, every month, April to March, 31 categories.
  • A table of actual income, spend and left over for each month, £8,470 left over in the year, under the headline Left over, month by month.
  • The bills grid with a Yes for each month a bill is paid, under the headline Tick bills off as they go, and the line Annual bills spread monthly.
  • A bar chart of actual spend against budget by month, £43,370 spent and £42,516 budget, under the headline Spend against budget.
  • The budget dashboard 2026/27 in four colourways, Pastel, Bright, Dark and Earthy, under the headline 4 colourways, and the line Same formulas. Pick your look.
  • A white card under the headline What you get: 8 spreadsheet files, 4 online copy links, example and blank, an Open-me PDF and 30% Calm Money code.
  • Three numbered steps under the headline How it works: pick a colourway (download it, or copy it online), type your salary (take-home pay works itself out) and fill in each month (budget, then what happened).
  • The budget spreadsheet's dashboard table of the top five spending categories for the year, with amounts and share of spend; rent or mortgage is 34.6%.
  • The Settings and Rates tab showing the six Scottish income tax bands for 2026/27, from the 19% starter rate to the 48% top rate.
  • The student loan table in the budget spreadsheet: Plans 1, 2, 4, 5 and Postgraduate with each annual threshold and repayment rate.
  • The Export to Calm Money tab listing example income and bills with amount, category and how often each is paid, ready to save as a CSV for the app.
  • Promo card: buy any two or more items from Neat Wren Studio and use code PICK2 at checkout for 20% off, until 31 January 2027.
  • Good to know: you do not need Excel because Google Sheets works too, nothing is posted because it is an instant download, and a person replies to messages within a day.
  • UK Budget Spreadsheet 2026/27: main listing photo showing the product with an 'Instant download' badge and flat banknote, receipt, piggy bank and coins icons. Digital product from Neat Wren Studio.
  • Product video
  • The per payslip breakdown of gross pay, pension, income tax, NI and student loan, £2,234.52 take-home a month, under the headline Your real take-home pay.
  • The take-home pay calculator with six input boxes, such as gross annual salary and student loan plan, under the headline Six boxes to fill in.
  • The monthly budget 2026/27 tab with budget and actual for each income and bill category, under the headline Budget and actual, every month, April to March, 31 categories.
  • A table of actual income, spend and left over for each month, £8,470 left over in the year, under the headline Left over, month by month.
  • The bills grid with a Yes for each month a bill is paid, under the headline Tick bills off as they go, and the line Annual bills spread monthly.
  • A bar chart of actual spend against budget by month, £43,370 spent and £42,516 budget, under the headline Spend against budget.
  • The budget dashboard 2026/27 in four colourways, Pastel, Bright, Dark and Earthy, under the headline 4 colourways, and the line Same formulas. Pick your look.
  • A white card under the headline What you get: 8 spreadsheet files, 4 online copy links, example and blank, an Open-me PDF and 30% Calm Money code.
  • Three numbered steps under the headline How it works: pick a colourway (download it, or copy it online), type your salary (take-home pay works itself out) and fill in each month (budget, then what happened).
  • The budget spreadsheet's dashboard table of the top five spending categories for the year, with amounts and share of spend; rent or mortgage is 34.6%.
  • The Settings and Rates tab showing the six Scottish income tax bands for 2026/27, from the 19% starter rate to the 48% top rate.
  • The student loan table in the budget spreadsheet: Plans 1, 2, 4, 5 and Postgraduate with each annual threshold and repayment rate.
  • The Export to Calm Money tab listing example income and bills with amount, category and how often each is paid, ready to save as a CSV for the app.
  • Promo card: buy any two or more items from Neat Wren Studio and use code PICK2 at checkout for 20% off, until 31 January 2027.
  • Good to know: you do not need Excel because Google Sheets works too, nothing is posted because it is an instant download, and a person replies to messages within a day.
Report this item to Etsy

UK Budget Spreadsheet 2026/27 | Take-Home Pay Calculator, Monthly Budget, Bills, Dashboard (Google Sheets + Excel)

Item highlights

  • Digital download
  • Digital file type(s): 1 PDF, 1 ZIP

Seller's description

A UK budget spreadsheet for the April-to-March tax year that works out your take-home pay. You get a PDF with Google Sheets copy links plus Excel files, for Google Sheets (free) or Excel. For anyone in the UK who wants a month-by-month budget with budget and actual side by side. If it doesn't work on your device, we fix it or refund you.

UK ANNUAL 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 (income tax for England, Wales and Northern Ireland or Scotland, National Insurance, pension, and student loan Plans 1, 2, 4, 5 and Postgraduate). Then a month-by-month budget with budget and actual columns, a bills tracker, and a dashboard that does the maths.

FOUR COLOURWAYS, ALL INCLUDED
- Pastel: a soft pastel rainbow, each tab and category in its own pastel.
- Bright: bold, saturated colour blocks.
- Dark: deep navy with glowing accents, easy on the eyes.
- Earthy: sage, sand and terracotta.
Each colourway comes as an Excel file with example numbers, a blank Excel file and its own Google Sheets copy link. The formulas are identical, so pick the look you like (or switch later).

WHAT IT DOES
- Take-home pay calculator with 2026/27 rates on an editable tab (check gov.uk if HMRC changes them)
- Monthly, 4-weekly or weekly pay; salary sacrifice yes or no
- 31 categories in four bands: income, bills, everyday, savings and debt
- Budget and actual for every month, year totals, and a variance that tells you if you are ahead
- Dashboard: savings rate, income versus spend, top five categories, spend by month chart
- Bills tracker with paid ticks by month
- Colour means something: each tab has its own colour, categories keep their colour in the tables and the charts, and green, amber and red show good news, keep an eye on it, and over or overdue, always with a word as well. Text on every coloured fill meets the WCAG AA contrast level.

TABS
- Start here: five small steps
- Settings & Rates
- Take-home pay
- Monthly budget (Apr 2026 to Mar 2027)
- Dashboard
- Bills tracker
- Notes
- Export to Calm Money

WORKS WITH THE CALM MONEY APP
The last tab, Export to Calm Money, turns your bills, budgets, debts and goals into one CSV that our Calm Money budget app imports in a tap. The Calm Money app is sold separately in this shop.

GOOGLE SHEETS AND EXCEL, BOTH INCLUDED
Input cells (they have a coloured border) are yours to type in; everything else is worked out for you, so a stray click cannot break a formula (locked in Excel; Google Sheets asks before you edit a worked-out tab). No macros, nothing to enable. Works on a phone in the Google Sheets app; setting it up is easier on a laptop.

HOW YOU GET IT
From your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- A PDF with a Google Sheets link for each colourway: tap the one you like and choose Make a copy (free Google account needed).
- A zip with the Excel files (.xlsx) for every colourway, for Excel 2016 or newer.
- A blank version of each, ready for your numbers, and an example version so you can see how it works first.
Not editable in the Etsy app; use a browser or the Google Sheets or Excel apps.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

Guidance, not financial advice.
Google Sheets and Excel are trademarks of their owners, who do not make or endorse this product.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Open your download from etsy.com in a web browser, not the Etsy app. If it doesn't open, doesn't work on your device or isn't as described, message us and we will fix it or refund you. This does not affect your legal rights.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

Designed and built by Neat Wren Studio. Layouts, formulas and code are built with digital tools, including AI assistance for structure and copy; no AI-generated artwork.

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Price:$14.68

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Seller's description

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UK Budget Spreadsheet 2026/27: main listing photo showing the product with an 'Instant download' badge and flat banknote, receipt, piggy bank and coins icons. Digital product from Neat Wren Studio.

A UK budget spreadsheet for the April-to-March tax year that works out your take-home pay. You get a PDF with Google Sheets copy links plus Excel files, for Google Sheets (free) or Excel. For anyone in the UK who wants a month-by-month budget with budget and actual side by side. If it doesn't work on your device, we fix it or refund you.

UK ANNUAL 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 (income tax for England, Wales and Northern Ireland or Scotland, National Insurance, pension, and student loan Plans 1, 2, 4, 5 and Postgraduate). Then a month-by-month budget with budget and actual columns, a bills tracker, and a dashboard that does the maths.

FOUR COLOURWAYS, ALL INCLUDED
- Pastel: a soft pastel rainbow, each tab and category in its own pastel.
- Bright: bold, saturated colour blocks.
- Dark: deep navy with glowing accents, easy on the eyes.
- Earthy: sage, sand and terracotta.
Each colourway comes as an Excel file with example numbers, a blank Excel file and its own Google Sheets copy link. The formulas are identical, so pick the look you like (or switch later).

WHAT IT DOES
- Take-home pay calculator with 2026/27 rates on an editable tab (check gov.uk if HMRC changes them)
- Monthly, 4-weekly or weekly pay; salary sacrifice yes or no
- 31 categories in four bands: income, bills, everyday, savings and debt
- Budget and actual for every month, year totals, and a variance that tells you if you are ahead
- Dashboard: savings rate, income versus spend, top five categories, spend by month chart
- Bills tracker with paid ticks by month
- Colour means something: each tab has its own colour, categories keep their colour in the tables and the charts, and green, amber and red show good news, keep an eye on it, and over or overdue, always with a word as well. Text on every coloured fill meets the WCAG AA contrast level.

TABS
- Start here: five small steps
- Settings & Rates
- Take-home pay
- Monthly budget (Apr 2026 to Mar 2027)
- Dashboard
- Bills tracker
- Notes
- Export to Calm Money

WORKS WITH THE CALM MONEY APP
The last tab, Export to Calm Money, turns your bills, budgets, debts and goals into one CSV that our Calm Money budget app imports in a tap. The Calm Money app is sold separately in this shop.

GOOGLE SHEETS AND EXCEL, BOTH INCLUDED
Input cells (they have a coloured border) are yours to type in; everything else is worked out for you, so a stray click cannot break a formula (locked in Excel; Google Sheets asks before you edit a worked-out tab). No macros, nothing to enable. Works on a phone in the Google Sheets app; setting it up is easier on a laptop.

HOW YOU GET IT
From your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- A PDF with a Google Sheets link for each colourway: tap the one you like and choose Make a copy (free Google account needed).
- A zip with the Excel files (.xlsx) for every colourway, for Excel 2016 or newer.
- A blank version of each, ready for your numbers, and an example version so you can see how it works first.
Not editable in the Etsy app; use a browser or the Google Sheets or Excel apps.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

Guidance, not financial advice.
Google Sheets and Excel are trademarks of their owners, who do not make or endorse this product.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Open your download from etsy.com in a web browser, not the Etsy app. If it doesn't open, doesn't work on your device or isn't as described, message us and we will fix it or refund you. This does not affect your legal rights.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

Designed and built by Neat Wren Studio. Layouts, formulas and code are built with digital tools, including AI assistance for structure and copy; no AI-generated artwork.

  • Designed by
    NeatWrenStudio
  • Item type
    Digital download
  • Digital file type(s)
    1 PDF, 1 ZIP
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Meet your seller

NeatWrenStudio
Neat Wren Studio
NeatWrenStudio ·

London, United Kingdom

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
·
4 sales
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