The Banking & Savings Spreadsheet Discussion Thread

Bridlington1

Welcome to this thread.

The aim of this thread is provide a place for people to discuss how to set up and manage their banking and savings spreadsheets .

Feel free to use this thread to ask any queries you may have about spreadsheets, share any tips and tricks you may have and discuss how you structure and manage your own spreadsheets.

Please try to limit discussion to spreadsheets only.

If you wish to discuss anything account specific, please use one of the designated discussion threads or launch a new thread.

Regular savers- Top Regular Saver Discussion Thread

Easy access accounts- The New Top Easy Access Discussion Area

Cash ISAs- Cash ISAs- The Best Currently Available List

Notice accounts- Notice Accounts

Fixed rate bonds- The Top Fixed Interest Savings Discussion Area

LHW99

Spreadsheets…. one is not enough 😆

Section62

https://forums.moneysavingexpert.com/discussion/comment/81861540#Comment_81861540

I'd suggest considering a database instead, but that would be off-topic. 😉

Bobblehat

https://forums.moneysavingexpert.com/discussion/comment/81861540#Comment_81861540

Yeah! Maybe I could start a new league table for spreadsheets 😀

fuzzzzy

I am not much of a spreadsheet person but the free version of excel I used to use with ads is no longer available.

What are the best free spreadsheet options available?

InvesterJones

https://forums.moneysavingexpert.com/discussion/comment/81861856#Comment_81861856

Offline or online? If the latter, Google sheets is pretty good

BooJewels

Ooooh, I likes me a spreadsheet!

As for free ones - if you're talking Windows machines, I have used Open Office Calc for my entire spreadsheeting life - but LibreOffice is free too I think and similar. I use LibreOffice to view my spreadsheet on a tablet, if I need to when away etc.

BikingBud

Love it, tabs for:

• Income incl pension (long term planning, includes tax, indexed and advises residual income post OH death)
• Pension accruals (feeds decision point to stop work)
• Spending/excess income (IHT 403 focus)
• Various mortgage tabs (tracking to pay off early and reduce interest)
• Interest from savings (ISA tracking and shuffle pots for best effect)

Section62

https://forums.moneysavingexpert.com/discussion/comment/81861856#Comment_81861856

I've found LibreOffice Calc to be just as good technically as Excel.

I would hesitate to put all the information I enter into my finance spreadsheets onto any system which resides anywhere other than my own device(s).

Kim_13

Excel is still free if you use it on a device with a screen size of 10.1 inches or less.

I only have two spreadsheets at the moment - one calculating my taxable interest per tax year and another that started as a list of all the providers I have accounts with and which then morphed into a personal balance sheet (including Regular Savers only to contribute to the league table.)

tacpot12

I have a spreadsheet for my savings that allows me to create 'pots' within a savings account for different purposes.

This is an example of the first part of the spreadsheet:

Pot Name	Opening Balance	Total Payments In & Out	Current Balance (Opening Balance + Total Payments In & Out)
Car Replacement	£1200.00	£330.00	£1,530.00
Car Tax	£0.00	£120.00	£120.00
Car Insurance	£0.00	£100.00	£100.00
Car Maintenance	£470.00	£-130.00	£340.00
TOTAL Account Balance			=SUM of the Current Balances above

In the second part of the spreadsheet, I have a list of all the payments into and out of the savings account and the 'Pot' they relate to. This part of the spreadsheet looks like this:

A	B	C
Payment In (positive) or Out (negative)	Date	Pot
£330	24/11/2025	New Car
£70	24/11/2025	Maintenance
£50	24/11/2025	Insurance
£60	24/11/2025	Tax
£50	23/12/2025	Insurance
£60	23/12/2025	Tax
-£200	13/01/2026	Maintenance

The formulas in the Total Payments In & Out column in the first part of the sheet look like this:

=SUMIF(C$2:C$1002,"New Car",A$2:A$1002)

=SUMIF(C$2:C$1002,"Tax",A$2:A$1002)

=SUMIF(C$2:C$1002,"Insurance",A$2:A$1002)

=SUMIF(C$2:C$1002,"Maintenance",A$2:A$1002)

With this spreadsheet, I just have to add further transactions to the bottom of the second part and it works out how much I have in each pot.

Hope this is of interest/use.