UK Monthly Pay-Cycle Household Budget

Most budget templates are built for US pay cycles and know nothing about council tax. This one is built the other way round: a true April-to-March budget year that lines up with the UK council-tax year, a monthly payday calendar with real month boundaries, and a council-tax schedule that automatically handles the 10-month cycle — April to January — flagging February and March as payment-free. Prefer paying over 12 months? One toggle updates the whole schedule.

The ten tabs include:

• Settings that build your council-tax instalment schedule from your annual bill and check it totals correctly
• A Budget Plan covering a full UK category set (rent/mortgage, council tax, utilities, TV Licence, groceries, transport, car tax/MOT, childcare, debt, savings), with council tax filled in automatically
• A Transactions log and a Bills & Direct Debits tracker showing what leaves before versus after payday
• An Annual Dashboard with planned-vs-actual, surplus and savings rate, plus a Monthly Breakdown and This Month focused view
• A UK Bills & Council Tax Guide explaining the mechanics with sources

The maths is proven with a full worked-example year — 58 transactions across every month, including the February boundary and both the 10- and 12-month council-tax plans — hand-calculated then independently re-checked. 237 of 237 QA checks pass, shown on the file's QA & Version tab.

This is a self-directed budgeting tool, not financial advice, and isn't affiliated with any council or government body.