Free Excel workbookYoung and growing families
Plan monthly income, childcare and household priorities.
Download workbook (.xlsx) →Free resource centre
Practical worksheets to make sense of money
Four editable Excel workbooks, with companion guides. Download directly with no registration, personal data or subscription.
Try online calculators →
Download an Excel planning workbook
Four free Excel workbooks
Spreadsheets are educational illustrations. Read their notes, check formulas against your own figures and verify any legal or tax assumptions independently. They are not personalised advice.
Free Excel workbook
Free Excel workbookSeparation and divorce
Organise household finances and questions for discussion.
Download workbook (.xlsx) →
Free Excel workbookStart-ups and self-employment
Plan costs, cash flow and household resilience.
Download workbook (.xlsx) →
Free Excel workbookCare cost planning
Explore possible care expenses and practical questions.
Download workbook (.xlsx) →Privacy: downloads require no account. Opening an Excel workbook may use features of your own spreadsheet software; we do not collect figures entered into the downloaded file.
Choose the right toolkit for you
Each toolkit contains an editable Excel workbook with calculations and a printable step-by-step companion. Select a free toolkit to open the resources. No contact details are required to access the materials.
Young & Growing Families
Family money planning pack
Build a household plan you can revisit each month.
- Editable workbook with calculations
- Printable guided action plan
- Questions to help you review decisions
Separation & Divorce
Two-household finances pack
Organise the numbers and questions without rushing decisions.
- Editable workbook with calculations
- Printable guided action plan
- Questions to help you review decisions
Start-ups & Self-Employment
Business money toolkit
Move from an idea to a realistic cash-flow routine.
- Editable workbook with calculations
- Printable guided action plan
- Questions to help you review decisions
Long-Term Care Costs
Care funding conversation pack
Compare possible care arrangements and prepare for assessments.
- Editable workbook with calculations
- Printable guided action plan
- Questions to help you review decisions
How to get the most from a toolkit
1 · Learn
Read the related article to understand the financial planning concepts.
2 · Calculate
Enter your own figures in the Excel workbook. Example figures are illustrations, not recommendations.
3 · Decide your next step
Use the companion pack to write questions, actions and a review date.
Your personal figures stay on your own device unless you choose to share them. Your figures remain on your device unless you decide to share them. Please avoid sending sensitive financial information by email.