control
Your payday & income planner
Give essentials, repayments and a buffer a place in your plan—even when income changes.
See what is left before payday and plan for quieter months.
Open this toolkit The D2W toolkitGood intentions.
Good intentions.
Practical next steps.
Turn what you read into something you can use. Plan your payday, untangle your bills or give a savings goal a starting point.
Free to use No signup Yours to keep
YOUR MONEY
YOUR NEXT STEP
A little structure goes a long way.YOUR NEXT STEP
Put a plan
on paper.
Know what is committed Make room for your goals Review as life changes
CONTROL / RESET / SAVE / INVEST08practical kits
Excel + PDF
Made for real life.
Made for real life.
01
Choose one thing. Start where you need clarity today.
02
Try your figures. See the working, not just the answer.
03
Keep your plan. Download it and check in again.
Less overwhelm. More direction.
8 toolkits · 16 downloadable templatesA useful tool for your next step.
8 toolkits to help you move forward
control
Bills, renewals & BNPL calendar
Bring due dates, annual renewals and instalments into one clear payment list.
Find the commitments landing before your next income.
Open this toolkit control
Your no-buy & spending reset
Set realistic boundaries, review recurring costs and keep track of what you actually avoid spending.
Choose your rules and estimate the net change in spending.
Open this toolkit save
Emergency fund & savings goals
Start with essential costs, choose a target and break the gap into affordable steps.
Set a reserve target and estimate the time to reach it.
Open this toolkit save
The 365-day penny challenge
See the full commitment, use the daily tracker and adapt the challenge to your cash flow.
Preview daily amounts and tick off the contributions you make.
Open this toolkit reset
Debt inventory & borrowing comparison
List what you owe and compare a 0% transfer with a quoted loan using cost, timing and affordability.
Compare the payments, total cost and breathing room.
Open this toolkit save
Savings interest & inflation check
Compare account conditions and explore what your savings could buy under different assumptions.
Separate the balance on the screen from its purchasing power.
Open this toolkit invest
Your first-investment decision kit
Check readiness, compare account wrappers and calculate charges before choosing a provider.
Build a questions list and see the fee impact in pounds.
Open this toolkit Your own money-planning folder
Download all 16 files Keep the whole toolkit to hand.
All eight Excel workbooks and eight printable PDFs in one download. Pick the pages you need and work at your own pace.
A few useful detailsSimple tools.
Simple tools.
Clear expectations.
Do I need the D2W app or an account?
No. Every tool here works without signing up. The downloads are yours to use independently of the app.
Will my numbers be saved?
Your entries stay in the current page and are not sent to a server or bank. They reset when you leave or reload. Use “Download these figures” to save your calculation as a CSV.
What is in each download?
Each kit has an Excel workbook with working sheets and a printable PDF with instructions and space to write. The downloads are reusable templates; figures entered online are saved separately through the CSV button.
Are these personal recommendations?
No. The tools explain calculations and help you organise your own information. They do not recommend financial products, confirm eligibility, predict returns or carry out actions for you.