Excel Finance Planner (for irregular wages)

Track your money with confidence — even if your hours change every week.
This spreadsheet is designed for hourly workers or anyone with irregular income. Calculate your net wage, monitor weekly/monthly expenses, and stay on top of your goals — all in one place.

Includes:

• Wage calculator with tax/deductions built in
• Car expenses (Fuel, MOT, Insurance, etc.)
• Phone, loan/credit payments, and joint expenses
• Weekly, monthly, and annual breakdowns
• Savings + account cash flow tracker

Features:
✅ Works in Excel or Google Sheets
✅ No subscriptions, apps, or logins
✅ Clear layout, easy to edit
✅ One-time download — use it forever