UK Savings Rate & FIRE Budget Planner
See exactly how much sooner you could reach financial independence — just by adjusting your spending.
Instant download. Works in Excel and Google Sheets.
What's inside
- Editable spreadsheet — works in Excel or Google Sheets
- Savings rate dashboard with your projected FIRE age
- "What if" tool: see how cutting any spending category changes your FIRE date
- UK tax year allowance tracker for ISA, LISA and pension contributions
- One-off purchase, yours to keep and reuse every year
Why this isn't just another budget template
Most budget planners stop at tracking where your money goes. This one goes a step further: every category is linked to a live projection, so you can see in real time how a £50 cut to one line item moves your actual FIRE date — not just your monthly total. It's paired with a UK tax year tracker so you're not leaving ISA, LISA or pension allowance unused before the 5 April deadline.
FAQ
Do I need Excel to use this?+
No — it works in both Excel and Google Sheets. Just download the file and open it, or upload it to Google Drive and it converts automatically.
Is this the same as the free calculator on the site?+
No. The free calculator gives you a single FIRE number estimate. This is an editable spreadsheet you keep, with a full monthly budget, an interactive savings-rate dashboard, and a UK tax year allowance tracker — tools you use on an ongoing basis, not a one-off number.
Will this work for my income?+
Yes — every figure is fully editable, so it adapts to your own income, spending, and savings, whatever they are.