See the year-end position before December arrives
Bring together projected income, annual outgoings, savings, debt, net worth and the expected monthly surplus in one view.
UK Annual Budget Planner
Plan the whole year, not just this month.
Bring income, everyday spending, bills, subscriptions, savings, debt and mortgage into one annual plan, then project where the current decisions lead over the next five years.
£12 one-time Works offline Five-year forecast Built for the UK
The actual planner dashboard, shown with example household figures.
One money year
Connect the plan instead of keeping separate lists
Every account, schedule and transaction feeds the dashboard, forecast and year-end views.
Project the recurring plan beyond this year
Carry income, bills, subscriptions, savings, debt cascade and mortgage amortisation forward, with account-level shortfall warnings.
Test a change without touching the real figures
Model a pay rise, cancelled cost, lump sum or cleared debt as a second forecast line, then remove the scenario when the question is answered.
Keep schedules, renewals and real payments connected
Track active and ended commitments, mark cycles paid, review price changes and find duplicate or overlapping subscriptions.
See the dates behind balances and overpayments
Build a snowball or avalanche plan, project the mortgage, test overpayments and offsets, and compare a remortgage with fees included.
Keep allowances and annual figures beside the budget
Review ISA, savings, dividend, capital-gains and pension allowances, State Pension projections and a Self Assessment worksheet.
The forecast
See the next twelve months and the five-year direction
The forecast carries the recurring plan forward so a negative balance or a debt-clearing date appears before it happens.
- Five-year projected net worth
- Twelve-month cashflow by account
- Committed outgoings breakdown
- What-if overlay with no state changes
Choose the edition
Base for manual planning, Pro for importing bank statements
UK Annual Budget Planner
Base edition
£12
The complete annual planner for entering and managing your money by hand.
- Income, bills, subscriptions, savings and debt
- Annual dashboard and five-year forecast
- Mortgage, tax-year and UK allowance tools
- Manual entry plus backup export and import
UK Annual Budget Planner Pro
Pro edition
£18
The complete planner plus a guided flow for importing real bank transactions.
- Monzo and Starling statement import
- Generic CSV import for almost any UK bank
- Payee clean-up and recurring-payment detection
- Everything included in the Base edition
How it works
Start with the money already in motion
No installation, account or subscription is required.
Add the accounts and income
Enter the balances, regular income and any irregular sources that should feed the current money year.
Add the commitments
Set up bills, subscriptions, savings, sinking funds, debts and the mortgage with their real dates and frequencies.
Review and adjust
Log spending, mark scheduled items as they happen and use the dashboard, forecast and what-if mode to test the next decision.
Focused views inside the plan
Move from the annual picture to the job at hand
Private by design
Your household figures stay on your device
The planner runs locally in your browser. It has no account, cloud database, analytics or open-banking connection, and it does not upload balances or transactions.
It is a planning and record-keeping tool, not financial or tax advice. Transfers and backups are manual files that you control. Keep regular backups somewhere separate from the downloaded app.
Frequently asked
Before you buy
What makes the Pro edition different?
Pro adds guided statement import for Monzo, Starling and generic bank CSV files, with payee clean-up, recurring-payment detection and reconciliation. Everything else in the planner is included in both editions.
Can I move from the Base edition to Pro?
Yes. Export a JSON backup from the Base planner and import it into Pro. The two editions share the same planner data format.
Does the Base edition connect to my bank?
No. The Base planner is designed for manual entry and controlled backup files. Pro imports downloaded statements, but neither edition connects to a live bank feed.
Can it plan more than one year?
Yes. The working plan covers a full year, while the forecast projects recurring money, debts and mortgage balances across five years.
Does it replace financial or tax advice?
No. The calculations and projections are planning estimates based on the figures entered. Check decisions and current tax rules against official guidance or a qualified professional where needed.
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
What is included in the download?
The single-file UK Annual Budget Planner app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
Bring the whole money year into one working plan
Buy UK Annual Budget Planner on Etsy, download it once and keep using it without an account or subscription.
Buy on Etsy