US Q4 TAX0d 00h 00m 00suntil estimated tax is due, 15 Jan 2027[1]UK SELF ASSESSMENT0d 00h 00m 00suntil the online return is due, 31 Jan 2027[2]AU BAS Q10d 00h 00m 00suntil July to September BAS is due, 28 Oct 2026[3]AU TAX RETURN0d 00h 00m 00suntil self-lodged returns are due, 2 Nov 2026[4]UK LATE FILING£100fine the day after the Self Assessment deadline, then £10 a day after 3 months (up to £900)[5]UK 6 MONTHS LATE£300 or 5% of tax dueextra fine, whichever is greater[5]US FAILURE TO FILE5% a month, max 25%of unpaid tax for each month a return is late[6]US 60+ DAYS LATE$525 or 100% of tax dueminimum penalty, whichever is less (returns due after 31 Dec 2025)[6]AU LATE LODGE$364▲ from $330per 28 days late, up to $1,820, for individuals and small businesses[7]
LedgerReady

Free expense tracker template

The free LedgerReady expense tracker is an Excel workbook: paste your bank transactions, and 87 editable keyword rules fill in a category for each line and total them by category. It also opens in Google Sheets. Free to download, no email needed.

Download the free template (.xlsx)

Summary tab of the free expense tracker template showing totals by category
The Summary tab (with the 25 synthetic sample rows it ships with).

What's inside

  • Transactions: Date, Description, Amount, Auto Category, Override, Category, room for 1,000 rows.
  • Rules: 87 starter keyword rules (first match wins), space for 200.
  • Summary: count, money in, money out and net per category, with a check cell.
  • Categories: a 16-category small-business list.

Formulas were tested by recalculating in LibreOffice (639 checks passed). It has not yet been tested by us inside Excel or Google Sheets themselves, so tell us if anything looks off.

How to use the free template

  1. Export from your bank. Download a CSV of your transactions from online banking.
  2. Paste. Paste date, description and amount into the Transactions tab, replacing the sample rows.
  3. Check the categories. Fix any line with the Override column; add a keyword to the Rules tab so it sticks.
  4. Read the Summary. Totals by category update automatically.

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