UK Household Budget Starter Bundle

Most budget templates are American underneath — built for fortnightly pay, with no idea what council tax is. This starter bundle is UK to the core, and deliberately simple: a calm, no-overwhelm place to begin before stepping up to the shop's full budgets.

The bundle includes three files:

• A lite one-page monthly budget spreadsheet for Excel or Google Sheets
• A printable planner set (A4 and US Letter): a Monthly Budget Planner, a Council Tax & Key Bills Year Planner (April to March), and a UK Sinking Funds page
• A QA & Version tab showing how the numbers were checked

Council tax is handled the way it's actually billed — type your annual bill and pick your plan, and the sheet works out your monthly instalment, automatically showing £0 in February and March on the standard 10-month plan. If you're paid every four weeks, the sheet converts your 13 pay packets a year into a true monthly figure, and real UK categories are built in throughout, including a sinking-funds page pre-loaded with MOT, road tax, insurance and Christmas.

Every formula was hand-calculated on a full worked example then independently re-checked — 33 checks, all passing — and the UK rules verified against gov.uk. When you're ready for monthly dashboards, joint/couples logic or debt payoff, the shop's full UK Monthly Pay-Cycle Budget and Couples 'Mine, Yours, Ours' template are the next step up.

This is a budgeting tool, not financial advice.