UK Household Budget for Renters
A renter's budget with a legal deposit-cap calculator, a rent-increase planner, and UK council tax built in.
- Excel (.xlsx)
- Google Sheets
Who it's for: UK renters — including those on 4-weekly pay — who want a budget that understands deposits, rent reviews and council tax.
About this template
Most budget spreadsheets assume you own your home, get paid every two weeks, and have never heard of council tax. This one is built for renting in the UK: monthly or 4-weekly pay, a deposit that's capped by law, a rent review you can see coming, and council tax that quietly skips February and March.
The five tabs include:
- Monthly Budget, converting any income (monthly, four-weekly, weekly or annual) to a true monthly figure automatically
- Move-In Costs, working out the maximum legal deposit under the Tenant Fees Act 2019 and flagging if a quoted deposit is over the cap
- Rent & Council Tax, modelling a rent increase and running a council-tax planner with the 10-month cycle built in
- Renting in the UK, a guide to deposit protection, banned letting fees and the current rent-increase notice period, sourced to gov.uk
- A QA & Version tab
The maths is proven with 69 worked-example checks covering income conversions, budget totals, the deposit cap on both sides of the £50,000 line, and a council-tax year totalling exactly to the bill — all passing.
This is a self-directed budgeting tool, not financial, debt or legal advice. The renting rules built in are for England.
What's inside
- Monthly Budget: converts monthly, 4-weekly, weekly or annual pay to one figure
- Move-In Costs: maximum legal deposit under the Tenant Fees Act 2019
- Rent & Council Tax: rent-increase modelling and the 10-month council-tax cycle
- Renting in the UK guide (deposit rules, banned fees, notice periods)
- QA & Version tab (69/69 checks)
Ready to download?
Get it on Etsy — £11.99General information, not tax or financial advice. Always confirm your own position with HMRC or a qualified adviser. Created with AI assistance under the owner's direction; every formula is human-verified against a worked example, with a QA sheet included in the download.