This isn’t just a spreadsheet — it’s a full financial command centre built for self-employed professionals who need their money organised when applying for a mortgage.

With this tracker you can:

✅ Track all income streams — salary, side hustles, freelance contracts, CIS income, rental income.
✅ Monitor bills and payments — see exactly what’s due, when, and whether it’s been paid.
✅ Log transactions easily — add expenses, shopping, utilities, and personal outgoings in one place.
✅ Use the Savings Dashboard — set big goals (like a house deposit), track progress, and stay motivated.
✅ Calculate your Net Worth — assets vs liabilities, shown in a simple dashboard.
✅ Stay on top of debts — the Debt Tracker shows what you owe, due dates, and repayment progress.
✅ Plan month by month — with tabs for every month of the year plus an annual view.
✅ Use the Calendar View — quickly see upcoming bills, deadlines, and cashflow at a glance.