Christmas Budget and Gift Planner 2026
Every gift and every Christmas cost in one budget, and exactly what to put aside each payday to be ready in time.
Spreadsheets for UK money decisions
UK money spreadsheets that show their working
Dashboards, worked examples and GOV.UK rules, for Excel and Google Sheets. From £2.99, instant download.
- Instant downloadReady the moment you pay
- Excel + Google SheetsNo macros, no add-ins
- UK 2026/27 rulesFrom GOV.UK, updated every April
- Every figure checkedA Checks tab proves the maths
- Sold on EtsyEtsy handles payment and delivery
Popular spreadsheets
Pick a spreadsheet, download it in seconds.
Each one is a one-off download with a dashboard, worked examples and a Checks tab. Fill in the yellow cells and the rest is done for you.
Take-Home Pay and Salary Sacrifice 2026/27
See what really lands in your bank each month, and what salary sacrifice costs you.
Simple UK Monthly Budget Planner
One page for money in, bills, everyday spending and savings, with council tax over 10 months and what is left each month.
Price £2.99
View on Etsy: Simple UK Monthly Budget Planner
UK Debt Payoff Planner
Up to 12 debts, including 0% balance transfers, overdrafts and buy now pay later, and your debt-free date by avalanche or snowball.
Price £7.19
View on Etsy: UK Debt Payoff Planner
Mortgage Overpayment and Remortgage
What overpaying saves, month by month, and whether a remortgage beats staying put.
Sole Trader Bookkeeping 2026/27
Log income, expenses and miles; get your MTD quarters, SA103 boxes and the tax to set aside.
Price £8.39
View on Etsy: Sole Trader Bookkeeping 2026/27Money kits
Need more than one? Get the kit.
Each kit is the full spreadsheets in one download, with a PDF of Google Sheets links, for less than buying them separately.
UK Household Money Kit
Payday budget, simple monthly budget, debt payoff planner and Christmas budget: everything to run the household money in one download.
Four spreadsheets for less than buying them one by one: £23.36 separately, save 40%.
Price £13.79
View on Etsy: UK Household Money Kit
Self-Employed Tax Year Kit 2026/27
Sole trader bookkeeping, a side hustle tax tracker and a take-home pay calculator, ready for Making Tax Digital and your tax return.
Three spreadsheets for less than buying them one by one: £23.37 separately, save 40%.
Price £13.79
View on Etsy: Self-Employed Tax Year Kit 2026/27
Landlord Kit 2026/27
A landlord tracker for your books, a buy-to-let deal analyser for your next purchase and a Capital Gains Tax calculator for when you sell.
Three spreadsheets for less than buying them one by one: £30.57 separately, save 41%.
Price £17.99
View on Etsy: Landlord Kit 2026/27How it works
From here to your answer in three steps.
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Choose a spreadsheet
Pick the one for your decision. Not sure? Try the free calculator first and see the maths for yourself.
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Buy it on Etsy
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Open it in Excel or Google Sheets
Fill in the yellow cells. The dashboard, totals and checks work themselves out.
Free calculators
Try the maths free, then get the full spreadsheet.
These quick calculators use the same rates and maths as the spreadsheets, and run in your browser, so nothing you type is sent anywhere. The full spreadsheets add a dashboard, what-ifs and a Checks tab.
Take-home pay 2026/27
Your salary after income tax, National Insurance, student loan and pension salary sacrifice, a year and a month. Scotland included.
Work out my take-home payFull spreadsheet £7.79 on Etsy: take-home pay
Mortgage overpayment
How much interest overpaying saves you, how many months come off, and your new mortgage-free date.
See what overpaying savesFull spreadsheet £7.19 on Etsy: mortgage overpayment
Stamp duty (England and NI)
Stamp Duty Land Tax at today's rates, with first-time buyer relief and the 5% surcharge on second homes and buy-to-let.
Work out my stamp dutyMoving House Cost Planner £5.99 on Etsy: moving house planner
Christmas savings per payday
How much to put aside each payday, weekly, 4-weekly or monthly, to have your whole Christmas budget ready by Christmas Eve.
Plan my Christmas savingsFull planner £7.19 on Etsy: Christmas budget and gift planner
When will I be debt free?
Up to three debts paid off highest interest first, with each cleared payment rolled on to the next. See your debt-free date and the interest.
Find my debt-free dateFull planner £7.19 on Etsy: debt payoff planner
Monthly budget guide
How to set up a monthly budget in the UK, step by step, with a quick sum of what is left after bills, spending and savings.
Set up my budgetSimple budget spreadsheet £2.99 on Etsy: simple monthly budget planner
Free guides
Tax return due 31 January 2027? Start here.
Plain-English guides to the GOV.UK rules for your 2025/26 return, with the tax year shown against every figure and a link to the GOV.UK page it came from. Plus budgeting guides with worked UK examples.
Self Assessment
Self Assessment checklist
Who has to file, the dates and penalties, the records to gather and how payments on account work.
Get my return readySole trader expenses
What you can claim, mileage and working-from-home flat rates, and a trading allowance calculator.
See what I can claimSide hustle tax
When selling online or gig work is taxable, the £1,000 allowance, platform reporting and what to put aside.
Check my side hustleLandlord expenses and Section 24
What you can take off the rent, repairs versus improvements, the 20% mortgage interest credit and MTD.
Read the landlord guideBudgeting
Sinking funds
Save for the MOT, car insurance, the TV licence and Christmas a little at a time, with a calculator for up to six goals.
Plan my sinking fundsDebt snowball vs avalanche
Smallest balance first or highest interest first? A worked example of three credit cards, months and interest side by side.
Compare the two methodsBudgeting on weekly or 4-weekly pay
Turn monthly bills into an amount per payday, and see which months of 2027 bring an extra payday.
Budget by paydayThe shop
All 23 spreadsheets
Every sheet works in Excel 2010 or later and Google Sheets, has a Checks tab, and the tax-year sheets are updated every April. Prices are one-off; Etsy handles payment and the instant download.
Pay, tax and pensions
UK Take-Home Pay and Salary Sacrifice Calculator 2026/27
See what actually lands in your bank account each month, and what salary sacrifice really costs you.
Price £7.79
View on Etsy: take-home pay
UK Pension Contribution and Tax Relief Calculator 2026/27
What paying into your pension really costs from your take-home pay, and how much lands in your pot.
Price £9.59
View on Etsy: pension tax relief
UK Redundancy Pay, Notice and Bridging Budget Calculator 2026/27
What your redundancy is really worth after tax, and how long the money lasts until your next job pays.
Price £7.79
View on Etsy: redundancy
UK Company Car vs Car Allowance Calculator 2026/27
Company car, cash allowance or salary-sacrifice electric car: which leaves you better off each month.
Price £11.99
View on Etsy: company car
UK Student Loan Repayment and Overpayment Planner
What your student loan will really cost, when it ends, and whether overpaying saves you anything at all.
Price £5.99
View on Etsy: student loan
UK Capital Gains Tax Calculator 2026/27
Capital Gains Tax on shares, funds, a second home or a former home, and whether you must report within 60 days.
Price £7.79
View on Etsy: capital gains taxHomes and property
UK Mortgage Overpayment and Remortgage Calculator
What overpaying saves you, month by month, and whether a remortgage really beats staying put.
Price £7.19
View on Etsy: mortgage overpayment
UK Moving House Cost Planner
Every cost of buying and selling, stamp duty worked out for you, and whether your money covers the move.
Price £5.99
View on Etsy: moving house
UK Buy-to-Let Deal Analyser 2026/27
Cash needed, monthly cash flow, yield, the lender's stress test, and tax in your own name or a limited company.
Price £11.99
View on Etsy: buy-to-let
UK Landlord Tracker 2026/27
Rent and costs for up to five properties, with Section 24, MTD quarters, SA105 boxes and gas safety, EICR and EPC dates.
Price £10.79
View on Etsy: landlord tracker
UK Home Renovation Budget and Stage Payments
Builders' quotes with the right VAT and a contingency, compared side by side, plus stage payments and retention.
Price £5.99
View on Etsy: home renovationFamily and life admin
Simple UK Monthly Budget Planner
One page for money in, bills, everyday spending and savings, with council tax over 10 months and what is left each month.
Price £2.99
View on Etsy: simple monthly budget
UK Budget by Payday Planner
Plan every payday, not every month, so you know what each payday has to cover and what is safe to spend.
Price £5.99
View on Etsy: budget by payday
UK Christmas Budget and Gift Planner 2026
Every gift and every Christmas cost in one budget, and exactly what to put aside each payday to be ready in time.
Price £7.19
View on Etsy: Christmas budget
UK Debt Payoff Planner
Up to 12 debts, including 0% balance transfers, overdrafts and buy now pay later, and your debt-free date by avalanche or snowball.
Price £7.19
View on Etsy: debt payoff
UK Childcare Cost Calculator (England)
What nursery or a childminder really costs each month once free hours, Tax-Free Childcare or Universal Credit come off.
Price £7.79
View on Etsy: childcare
UK Wedding Budget and Supplier Tracker
What the wedding will cost, what is due when, and how much to save each month to be paid up in time.
Price £5.99
View on Etsy: wedding budget
UK Car Cost of Ownership and Lease vs Buy Calculator
Buy outright, hire purchase, PCP or lease: the true cost of up to four cars side by side, per month and per mile.
Price £7.19
View on Etsy: car lease vs buy
UK Inheritance Tax Estimator
What Inheritance Tax your estate would pay today, and what changes with a charity gift, the family home or a gift now.
Price £11.99
View on Etsy: inheritance tax
UK Executor and Estate Accounts Workbook
An executor's checklist, the key deadlines, an Inheritance Tax estimate and estate accounts for the family. England and Wales.
Price £8.99
View on Etsy: executor and estate accountsSide hustles, sole traders and clubs
UK Side Hustle Income and Tax Tracker 2026/27
Log sales and costs, then see your profit, the £1,000 trading allowance, HMRC registration and tax to put aside.
Price £7.19
View on Etsy: side hustle tracker
UK Sole Trader Bookkeeping 2026/27
Log income, expenses and miles, and get your Making Tax Digital quarters, SA103 boxes and the tax to set aside.
Price £8.39
View on Etsy: sole trader bookkeeping
UK Club and Charity Treasurer Cash Book
Cash book, bank reconciliation, restricted funds, Gift Aid and year-end accounts for a club, PTA or small charity.
Price £7.19
View on Etsy: treasurer cash bookBrowse the whole HonestSums Etsy shop.
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Have a look round the shop.
Every listing shows the dashboard, the tabs and exactly what you get. Questions first? Email [email protected].