An income and expenditure form is a one-page monthly budget: everything coming in, everything going out, grouped into fixed costs, living costs, flexible costs and debts. Download the template, fill in your monthly figures, and you have the sheet a mortgage lender, landlord or debt adviser will ask for.
Opens in Excel, Google Sheets, Numbers and LibreOffice. It is a plain CSV, so nothing is locked, tracked or macro-enabled.
What is in the template
Date
Description
Category
Money in
Money out
Frequency
2026-09-01
Wages or salary (take-home)
Income
2100.00
Monthly
2026-09-01
Partner's wages (take-home)
Income
0.00
Monthly
2026-09-01
Benefits and tax credits
Income
0.00
Monthly
2026-09-01
Pension income
Income
0.00
Monthly
2026-09-01
Other income (maintenance, lodger, side work)
Income
0.00
Monthly
2026-09-01
Rent or mortgage
Housing
850.00
Monthly
Columns explained:
Date: Use the first of the month for every line. This is a monthly snapshot, not a transaction list.
Description: The income source or cost, in the wording most forms use.
Category: Income, Housing, Fixed costs, Living costs, Flexible costs, Debts, Savings. This grouping mirrors the layout debt advisers use.
Money in / Money out: Monthly figures. Convert weekly amounts by multiplying by 52 and dividing by 12; annual amounts by dividing by 12.
Frequency: A reminder of how the real bill lands, so you can check the monthly figure is right.
How to use it
Download the CSV and open it in a spreadsheet, or import it straight into The Income Tracker.
Replace the example figures with your own monthly amounts. Zero is a valid answer; leave the row so nothing is forgotten.
Convert anything weekly or annual to a monthly figure (weekly times 52, divided by 12).
Total the income column, total the outgoings, and subtract. A positive number is your surplus; a negative one is the gap to close.
When you will be asked for one
A mortgage or remortgage application, where lenders stress-test your outgoings.
Renting through a letting agent, especially with a guarantor.
Talking to a debt adviser or creditor about an affordable repayment plan.
A budgeting conversation with yourself, which is the most useful of the four.
Be honest with the flexible costs
Fixed costs are easy: the numbers are on your statements. The form falls apart in the flexible rows, where people guess low. Do not guess. Export three months of transactions from your bank, import them into the tracker, and read the real average for food, eating out and subscriptions. It is nearly always higher than the number you would have written down, and that is exactly why the form is worth doing.
The Income TrackerSkip the spreadsheet. Import your bank CSV and the totals do themselves.
A one-page monthly budget listing all income and all outgoings, grouped so a lender or adviser can see fixed costs, living costs, flexible spending and debt payments at a glance.
Is this the same as the Standard Financial Statement?
It follows the same structure of income, fixed and flexible costs and debts. Debt advisers use the official Standard Financial Statement; this template is the plain version you can fill in yourself and bring to that conversation.
How do I get accurate figures?
Import three months of your bank CSV into The Income Tracker and use the monthly averages it shows for each category. Real numbers beat estimates every time.