If you've ever downloaded a budgeting spreadsheet and immediately thought "this doesn't work for me" — you're not imagining things.

The vast majority of personal finance templates online are built for Americans. They assume:

• No student loan deductions — Plan 2 repayments (9% above £27,295) don't exist in their world

• No National Insurance — your actual take-home pay is a mystery until you do the maths yourself

• No council tax — one of the largest fixed costs for anyone renting in the UK, completely absent

• USD everywhere — sometimes literally, with dollar signs baked into formulas that break when you switch currency

The result? You spend 40 minutes trying to adapt a template that was never built for you, give up, and go back to guessing.

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What we actually built

Personal Ledger makes Google Sheets templates specifically for UK earners in 2026/27. Everything is:

✅ Built around your actual take-home pay — PAYE, NI, pension, and Plan 2 student loan already factored in

✅ Priced in GBP, with UK tax year dates (April to April)

✅ Council tax and London-specific costs included where relevant

✅ Designed for people earning £30k–£70k — the bracket where money decisions actually start to matter

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The three tools

ISA & Take-Home Pay Workbook — Model your salary, understand your real take-home, and plan ISA contributions around your 2026/27 allowance.

UK Debt Payoff Tracker — Avalanche or snowball method, student loan awareness built in, realistic payoff timelines.

Council-Tax-Aware London Budget Sheet — Full monthly budget with council tax banded by borough. Built for renters in London and other UK cities.

Or grab the Complete Bundle and get all three for £25 (saves £3).

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If you've got questions about any of the tools, drop them below. Happy to help you figure out which one fits your situation.