PDF + Excel · instant download
Home Budget Tracker and Workbook
A step-by-step household budget guide with a workbook that compares your plan with what you actually spend.
One-off payment. No account, no subscription.
By buying you ask for immediate access and accept you lose your 14-day right to cancel once the download starts. Your legal rights are not affected: see refunds. Secure card payment by Stripe.
What is included
- Home_Budget_Tracker.pdf (PDF, 35 pages)
- Home_Budget_Tracker.xlsx (Excel workbook, 10 sheets: Start Here, Lists, Income, Plan, Actuals, Summary, Payment Timing, Future Costs, Shortfall Plan, Worked Example)
- START_HERE.txt
- hbt-27_Excel_Walkthrough.pdf (PDF, 2 pages, a step-by-step guide to the Excel workbook)
Who it is for
Households who want to compare their budget plan with what they actually spend.
About this pack
A 35-page PDF guide with a worked household example, a money-flow diagram, a plan-against-actual dashboard, a chart of yearly bills and a what-now flow for a budget that does not balance.
The 10-sheet Excel workbook has Start Here, Lists, Income, Plan, Actuals, Summary, Payment Timing, Future Costs, Shortfall Plan and Worked Example. Look at the Worked Example, then enter your own income and bills.
The workbook is built for Microsoft Excel on Windows (Excel 16.0). It has not been tested in Excel for Mac, Google Sheets, LibreOffice or phone apps.
General information, not professional advice. Education only: a budgeting tool, not financial, debt or benefits advice. If you are struggling with debt, free independent help is available, for example MoneyHelper, StepChange, National Debtline and Citizens Advice.
A short Excel walkthrough PDF is included. It takes you through the workbook sheet by sheet.
Facts last checked October 2026. Rules, rates and prices change; the guide names the official page to check.
Refunds and your rights
Instant digital download. When you buy, you agree to receive the files straight away and you accept that you lose your 14-day right to cancel once the download starts. This does not affect your legal rights: if a file is faulty, will not open, or is not as described, message us through the Contact page and we will fix it, replace it or refund you.
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