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
- Type in your regular savers: the rate, the monthly limit, and how long they run. (Three examples are filled in to copy.)
- The planner builds your 12-month payment calendar automatically.
- 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).
Buy with confidence
- Instant download the moment you pay — no waiting, no subscription, no login.
- If a file will not open or does not do what this page says, email team@getsmartsaver.co.uk within 30 days and we will replace it or refund you in full.
- Lost your download link? Email us and we will re-issue it free.
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