GroundUpWealth

London, United Kingdom

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UK Child Benefit Tax Calculator (HICBC High Income Charge) Spreadsheet | High Income Child | Hicbc Calculator | Self Assessment | Printable

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

Digital Download

FIRE Calculator & Retirement Savings Tracker Spreadsheet | Net Worth Projection | Coast Fire | Safe Withdrawal Rate | Early Retirement

Sale Price CA$17.57

Original Price CA$29.30 (40% off)

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Sinking Funds Tracker - Multi Goal Savings Planner Spreadsheet | Savings Goal Tracker | Multiple Savings | Savings Fund | Google Sheets

Sale Price CA$15.23

Original Price CA$25.39 (40% off)

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Savings Goals Tracker Spreadsheet – Multiple Goal & Sinking Fund Planner | Savings Goal Tracker | Sinking Fund Tracker | Multiple Savings

Sale Price CA$15.23

Original Price CA$25.39 (40% off)

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Self Assessment Tax Spreadsheet UK - Self Employed Tax Calculator, Expense | HMRC Self Assessment | Sole Trader | UK Freelancer Tax

Sale Price CA$16.40

Original Price CA$27.35 (40% off)

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UK Council Tax Calculator & Payment Tracker | Council Tax Payment | Council Tax Budget | Council Tax Band | Council Tax Discount | Printable

Sale Price CA$15.23

Original Price CA$25.39 (40% off)

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50/30/20 Budget Planner Spreadsheet | 50 30 20 | Needs Wants Savings | Monthly Budget | Budget Spreadsheet | Excel & Google Sheets

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

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Car Cost Tracker Spreadsheet | Vehicle Expense | Car Maintenance Log | Fuel Cost Tracker | Cost Per Mile | Excel & Google Sheets | Printable

Sale Price CA$15.23

Original Price CA$25.39 (40% off)

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UK State Pension & National Insurance Gap Calculator | Voluntary Ni | Ni Qualifying Years | Class 3 National | State Pension Break

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Original Price CA$25.39 (40% off)

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Emergency Fund Tracker Spreadsheet | Financial Safety Net | Savings Tracker | Google Sheets | 6 Month Savings | Excel & Google Sheets

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

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Paycheck Budget Planner Spreadsheet | Biweekly Budget | Budget By Paycheck | Period Budget | Multiple Paycheck | Excel & Google Sheets

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

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Freelance Income & Expense Tracker Spreadsheet | Freelance Income And | Self Employed | Freelancer Tax | Small Business | Instant Download

Sale Price CA$16.40

Original Price CA$27.35 (40% off)

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Investment Portfolio Tracker Spreadsheet – Stock & ETF Dashboard | Stock Portfolio | Dividend Income | Etf Portfolio | Asset Allocation

Sale Price CA$17.57

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Monthly Budget Planner Spreadsheet | Zero Based Budget | Budget Spreadsheet | Google Sheets Budget | Personal Budget | Excel & Google Sheets

Sale Price CA$15.23

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Digital Envelope Budgeting System - Cash Envelope Budget Planner Spreadsheet | Cash Stuffing | Monthly Envelope | Budget By Envelope

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Subscription Tracker Spreadsheet - Recurring Bill & Membership Planner | Monthly Bill | Google Sheets | Membership Tracker | Printable

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Debt Payoff Planner Spreadsheet - Snowball & Avalanche Tracker | Debt Snowball | Debt Avalanche | Debt Free | Credit Card Payoff | Printable

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Original Price CA$25.39 (40% off)

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Monthly Expense Tracker Spreadsheet | Budget Vs Actual | Personal Expense | Spending Tracker | Monthly Budget And | Excel & Google Sheets

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UK Inheritance Tax Planner & Estate Value Calculator | Iht Calculator Excel | Estate Planning | Nil Rate Band | Residence Nil Rate

Sale Price CA$21.09

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Pension Drawdown Planner | Sipp Income Planner | UK Pension Tax | Tax Free Lump | Sipp Drawdown | Excel & Google Sheets | Instant Download

Sale Price CA$21.09

Original Price CA$35.16 (40% off)

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Subscription Tracker Spreadsheet – Recurring Bill & Membership Payment | Bill Payment Tracker | Subscription Budget | Recurring Payment

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

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Net Worth Tracker Spreadsheet | Automated Assets and Liabilities Calculator (Excel & Google Sheets)

Sale Price CA$15.23

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UK ISA Allowance Tracker & Investment Portfolio Planner | ISA Tracker | Stocks And Shares | Lifetime Isa Bonus | Cash Isa Spreadsheet

Sale Price CA$17.57

Original Price CA$29.30 (40% off)

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Sinking Funds Tracker Spreadsheet | UK Budget Planner | Savings Tracker | Monthly Budget | Envelope Budgeting | Excel & Google Sheets

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

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UK Budget Planner Spreadsheet | Monthly Household Expense Tracker (Digital Download)

Sale Price CA$14.05

Original Price CA$23.44 (40% off)

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UK Contractor IR35 Take-Home Pay Calculator | Inside vs Outside IR35, Umbrella Comparison (Digital Download)

Sale Price CA$18.75

Original Price CA$31.26 (40% off)

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UK Debt Payoff Planner – Snowball & Avalanche Tracker (Digital Download)

Sale Price CA$15.23

Original Price CA$25.39 (40% off)

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UK Student Loan Repayment Calculator – Plan 1, 2, 4 & 5 Overpayment Planner | 2 Student Loan | 5 Student Loan | Postgraduate Loan

Sale Price CA$16.40

Original Price CA$27.35 (40% off)

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UK Landlord Rental Property Tracker | Buy To Let | Property Income | Sa105 Tax Calculator | Section 24 Mortgage | Excel & Google Sheets

Sale Price CA$15.23

Original Price CA$25.39 (40% off)

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UK First-Time Buyer Deposit Planner & Mortgage Affordability Calculator | First Time Buyer | House Deposit | Stamp Duty | Lifetime ISA Lisa

Sale Price CA$17.57

Original Price CA$29.30 (40% off)

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UK Maternity Leave Budget Planner & Statutory Maternity Pay Calculator | Smp Calculator | Maternity Pay Budget | New Mum Budget | Printable

Sale Price CA$17.57

Original Price CA$29.30 (40% off)

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Announcement

Last updated on 08 Jun, 2026

Welcome to Ground Up Wealth — UK personal finance templates built for everyday people who want to take control of their money and build wealth from the ground up.
All templates are made specifically for UK investors. ISA aware, pension aware, in pounds, and designed to just work — no complicated setup, no subscriptions, no fluff.
Every template is an instant download. Open it, enter your numbers in the blue cells, and everything calculates automatically.
New products added weekly. If there's a specific template you'd like to see, send me a message — I build to order.
Thanks for stopping by.
Ground Up Wealth

Contact shop owner

oliver

Reviews

5.0 (1)

Average item review

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.

Bob on 18 Aug, 2026

5 out of 5 stars

I was looking for an xlsx planning tool that gave me a great start to my imminent retirement. I wanted a model that would allow me to amend to my own requirements and this does just that. It has saved me hours of work since I have not had to start from scratch. I have been able to add different growth rates for different years as well as drawdown amounts (taxed and untaxed) for different years. All in my control. Recommended.

UK Pension Drawdown Planner | SIPP Retirement Income, Tax-Free Lump Sum (Digital Download)

UK Pension Drawdown Planner | SIPP Retirement Income, Tax-Free Lump Sum (Digital Download)

About GroundUpWealth

UK finance templates. Build wealth from the ground up.

Sales 2

On Etsy since 2026

UK finance templates. Build wealth from the ground up.

UK finance templates built for real people — ISA trackers, budget planners and debt calculators designed specifically for UK investors

Hi, I'm the founder of Ground Up Wealth.
I started building finance templates because I couldn't find anything designed specifically for UK investors. Everything out there was American — dollars, 401ks, January to December tax years. None of it worked for how money actually works in the UK.
So I built my own. An ISA tracker that follows the actual tax year. A budget planner that knows what council tax is. A debt calculator built around the interest rates UK borrowers actually face.
I'm a regular person with a regular job and a big financial goal. Every template I build is something I'd use myself — practical, clear, and built to actually help you understand your finances rather than just track numbers.
All templates work on Google Sheets and Excel. No subscriptions. No complicated setup. Just download, enter your numbers, and watch everything calculate automatically.
New products added every week. If there's something specific you'd like to see — a template for a situation I haven't covered yet — send me a message. I build to order.
Thanks for supporting an independent creator.
Ground Up Wealth

Shop members

Oliver

Owner

27-year-old UK investor building passive income to live on a sailboat by 40. I couldn't find finance templates made for UK investors — so I built my own. Every template is something I use myself.

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GroundUpWealth

All items

UK Child Benefit Tax Calculator (HICBC High Income Charge) Spreadsheet | High Income Child | Hicbc Calculator | Self Assessment | Printable

FIRE Calculator & Retirement Savings Tracker Spreadsheet | Net Worth Projection | Coast Fire | Safe Withdrawal Rate | Early Retirement

Sinking Funds Tracker - Multi Goal Savings Planner Spreadsheet | Savings Goal Tracker | Multiple Savings | Savings Fund | Google Sheets

Savings Goals Tracker Spreadsheet – Multiple Goal & Sinking Fund Planner | Savings Goal Tracker | Sinking Fund Tracker | Multiple Savings

Self Assessment Tax Spreadsheet UK - Self Employed Tax Calculator, Expense | HMRC Self Assessment | Sole Trader | UK Freelancer Tax

UK Council Tax Calculator & Payment Tracker | Council Tax Payment | Council Tax Budget | Council Tax Band | Council Tax Discount | Printable

50/30/20 Budget Planner Spreadsheet | 50 30 20 | Needs Wants Savings | Monthly Budget | Budget Spreadsheet | Excel & Google Sheets

Car Cost Tracker Spreadsheet | Vehicle Expense | Car Maintenance Log | Fuel Cost Tracker | Cost Per Mile | Excel & Google Sheets | Printable

UK State Pension & National Insurance Gap Calculator | Voluntary Ni | Ni Qualifying Years | Class 3 National | State Pension Break

Emergency Fund Tracker Spreadsheet | Financial Safety Net | Savings Tracker | Google Sheets | 6 Month Savings | Excel & Google Sheets

Paycheck Budget Planner Spreadsheet | Biweekly Budget | Budget By Paycheck | Period Budget | Multiple Paycheck | Excel & Google Sheets

Freelance Income & Expense Tracker Spreadsheet | Freelance Income And | Self Employed | Freelancer Tax | Small Business | Instant Download

Investment Portfolio Tracker Spreadsheet – Stock & ETF Dashboard | Stock Portfolio | Dividend Income | Etf Portfolio | Asset Allocation

Monthly Budget Planner Spreadsheet | Zero Based Budget | Budget Spreadsheet | Google Sheets Budget | Personal Budget | Excel & Google Sheets

Digital Envelope Budgeting System - Cash Envelope Budget Planner Spreadsheet | Cash Stuffing | Monthly Envelope | Budget By Envelope

Subscription Tracker Spreadsheet - Recurring Bill & Membership Planner | Monthly Bill | Google Sheets | Membership Tracker | Printable

Debt Payoff Planner Spreadsheet - Snowball & Avalanche Tracker | Debt Snowball | Debt Avalanche | Debt Free | Credit Card Payoff | Printable

Monthly Expense Tracker Spreadsheet | Budget Vs Actual | Personal Expense | Spending Tracker | Monthly Budget And | Excel & Google Sheets

UK Inheritance Tax Planner & Estate Value Calculator | Iht Calculator Excel | Estate Planning | Nil Rate Band | Residence Nil Rate

Pension Drawdown Planner | Sipp Income Planner | UK Pension Tax | Tax Free Lump | Sipp Drawdown | Excel & Google Sheets | Instant Download

Subscription Tracker Spreadsheet – Recurring Bill & Membership Payment | Bill Payment Tracker | Subscription Budget | Recurring Payment

Net Worth Tracker Spreadsheet | Automated Assets and Liabilities Calculator (Excel & Google Sheets)

UK ISA Allowance Tracker & Investment Portfolio Planner | ISA Tracker | Stocks And Shares | Lifetime Isa Bonus | Cash Isa Spreadsheet

Sinking Funds Tracker Spreadsheet | UK Budget Planner | Savings Tracker | Monthly Budget | Envelope Budgeting | Excel & Google Sheets

UK Budget Planner Spreadsheet | Monthly Household Expense Tracker (Digital Download)

UK Contractor IR35 Take-Home Pay Calculator | Inside vs Outside IR35, Umbrella Comparison (Digital Download)

UK Debt Payoff Planner – Snowball & Avalanche Tracker (Digital Download)

UK Student Loan Repayment Calculator – Plan 1, 2, 4 & 5 Overpayment Planner | 2 Student Loan | 5 Student Loan | Postgraduate Loan

UK Landlord Rental Property Tracker | Buy To Let | Property Income | Sa105 Tax Calculator | Section 24 Mortgage | Excel & Google Sheets

UK First-Time Buyer Deposit Planner & Mortgage Affordability Calculator | First Time Buyer | House Deposit | Stamp Duty | Lifetime ISA Lisa

UK Maternity Leave Budget Planner & Statutory Maternity Pay Calculator | Smp Calculator | Maternity Pay Budget | New Mum Budget | Printable

Announcement

Reviews

About GroundUpWealth

Shop members

Oliver

Shop policies

Returns & exchanges