Know where your
household stands
Bring income, bills, savings, debts, pensions and goals into one clear view — then see what needs attention next.
A guided finance planner for people who want clarity without connecting their bank.
No credit card. No subscription. No bank connection required.
Know what to improve next
A financial health score across 7 categories turns scattered numbers into a clearer sense of progress, with 12 levels showing where your household stands.
Example level
7
Organised
58% of the way to Financial Command
Everything your household needs to see clearly
Organise today's commitments and tomorrow's goals without juggling spreadsheets
Budget
Understand monthly commitments
Goals
Savings goals & emergency fund
Investments
ISA, ETFs & portfolio growth
Pension
SIPP & retirement planning
Mortgage
Repayment & remortgage analysis
Debts
Track & plan repayment
Retirement
Project your retirement income
Household
Manage finances together
Plan money together
Share the same financial picture with a partner. One person creates a household and shares an invite code — the other joins in seconds. From that point, you can both understand the same commitments, goals, debts, and long-term plans.
Simple invite
Share a short code with your partner. No email chains, no admin.
Fully shared view
Budget, goals, debts, investments — everything in one shared space.
Your own account
Each person logs in separately. You join a household by choice, and can leave at any time.
Built for the UK
Most finance apps are built around generic spending feeds. The Spreadsheet is built around UK milestones, household planning, and manual control.
Your data, your control
We take data security seriously. Your financial data is sensitive — and you should stay in control of it.
Your data is yours alone
No one else can ever see your data — not other users, not us. Access is enforced at the database level, not just in the app.
Hosted in Europe
Your data is stored on Supabase infrastructure in the EU. We never sell your data, never use it for advertising, and never share it with third parties.
Delete everything, anytime
You can permanently delete your account and all associated data at any time from your settings. No waiting period, no hidden backups.
Works on every device
Install The Spreadsheet on your phone or desktop for quick access — no app store needed.
Desktop
Open in Chrome or Edge and click the install icon in the address bar.
iPhone
Open in Safari, tap the Share button, then "Add to Home Screen".
Android
Open in Chrome and tap "Add to Home Screen" from the browser menu.
Tools
No account needed. Just open and use.
Salary Tool
See your take-home pay after tax, NI, pension and student loan.
Mortgage
Calculate monthly repayments, total interest and amortisation schedule.
Retirement
Project your pension pot, income, and compound growth in today's money.
Holiday Budget
Plan the full cost of your trip — flights, accommodation, food, activities and more.
Guides
Practical UK money and life admin guides, written to solve the kind of problems people usually hide in spreadsheets.
5 min read
How much emergency fund do you need in the UK?
A practical way to choose an emergency fund target based on essential costs, job stability, and household responsibilities.
5 min read
How to track your monthly commitments in the UK
A simple way to see rent, bills, insurance, subscriptions, debts, and other recurring costs in one clear monthly picture.
4 min read
How to track insurance renewal dates without missing them
A practical checklist for keeping car, home, contents, life, travel, pet, and gadget insurance renewals visible.
Common questions
Is it really free?
Yes. There is no credit card, no trial period, and no paid plan. Sign up and use the household planner while we keep improving the core experience.
Is my financial data safe?
Your data is stored in the EU and is locked to your account at the database level — no one else can access it. You can delete everything permanently at any time from your settings.
Does it connect to my bank?
Not yet — you enter your figures manually. This keeps things simple and means we never touch your bank credentials. Open Banking is on the roadmap.
Free to use. No catch.
Create an account and use the household planner without a card or subscription. The focus right now is making the core household experience genuinely useful.
Get started free