Regular Saver Ladder Planner

What it does

One regular saver is good. Several, working together, is how savers squeeze the most out of the banks. The hard part is keeping track — this planner does it for you.

• Tells you what to pay into which account, each month — one simple calendar you can follow in seconds
• Shows the extra interest you earn by laddering, compared with leaving the money in easy access
• Flags wasted months — when cash is sitting idle or an account is about to end

How it works

1. Type in your regular savers: the rate, the monthly limit, and how long they run. (Three examples are filled in to copy.)
2. The planner builds your 12-month payment calendar automatically.
3. Follow the calendar. That’s it.

What you get

• The planner as an Excel file and a Google Sheets version
• A step-by-step Start Here tab — no spreadsheet skills needed

Good to know

• Instant download the moment you pay — and it’s yours for good
• Comes as an Excel file and a Google Sheets version (the link is inside your download)
• Built for the UK 2026/27 tax year — all rates and limits already correct
• Your numbers stay on your device — nothing gets uploaded anywhere
• Lost your file? Email us and we’ll replace it free

An educational tool to help you get organised — not regulated financial advice.

Want the full picture? The UK Savings System (£17) includes this ladder plus every other savings tool we make — or get everything in the bundle (£34).

Questions