12-month plan
12-month plan and actual spending sheets
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Your money · Excel + guide
Know what is left—and why.
Compare a 12-month plan with actual income and spending, follow cash balances and measure progress towards a cash goal.
Designed for households who want a clear monthly routine.
See exactly what is included ↓What you receive
A usable workbook.
A method you can follow.
Annual review with cash roll-forward
Annual review with cash roll-forward and linked charts
Step-by-step guide, fictional worked example
Step-by-step guide, fictional worked example and practice task
Your workflow
Put the numbers to work.
01
Set up
Replace the fictional income, spending and opening cash.
02
Explore
Complete actuals monthly and reconcile to your bank records.
03
Explain
Investigate variances and update the remaining plan.
A taste of the method
Understand what changes.
The worked plan starts with £4,400 monthly net income and £3,475 spending: £925 surplus. Spending £100 more reduces cash by £100, so the result is easy to trace.
Read the related free lesson ↗Before you choose.
What makes this more than a blank template?
You receive an editable calculation structure, a fictional worked example, linked visualisations and a guide explaining the inputs, outputs and common mistakes. The purpose is to help you understand the result and repeat the process.
What does this product not cover?
Manual cash-based inputs. No bank connection, tax calculation or investment growth forecast. Future actual months should be left blank until completed.
What software do I need?
A spreadsheet application that opens .xlsx files. Desktop Excel is the intended application. These release candidates have calculation and export checks; desktop Excel acceptance remains outstanding. No macros or external data connections are required.
Can I buy it today?
Not yet. These pages show the actual prepared products while checkout, delivery, purchase terms and release checks are completed. No payment or reservation is taken here.