The UK Savings System

What it does

Most of us have money spread across five or six accounts — and somewhere in there, a bonus rate is quietly expiring. The UK Savings System puts everything in one place and tells you what needs your attention.

• See everything at a glance — total saved, your true average rate, and how each goal is coming along
• Never miss a rate drop — every bonus and fixed rate end date, flagged before it costs you
• Stay inside the limits — warns you before your savings interest becomes taxable, and checks you never hold more than the £85,000 protected limit with one bank
• Track your ISA allowance — how much of this year’s £20,000 you’ve used
• Plan your goals — emergency fund, holidays, Christmas, house deposit — with the monthly amount worked out for you

How it works

1. List your accounts on one tab (10 minutes, examples included).
2. Set your goals and link each account to one.
3. Check the dashboard for 10 minutes a month and act on anything flagged red or amber.

What you get

• The 9-tab workbook as an Excel file and a Google Sheets version
• A 20-page plain-English guide: how to organise your savings for maximum interest — the method behind the workbook

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.

Also deal with your tax? Get this plus the Tax Planner in the bundle for £34 — the Regular Saver Ladder Planner comes free.

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.