What A custom Excel spreadsheet costs
A custom Excel spreadsheet charges £84.99 per year, rising to £119.99 per one-off on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Excel for the web | Price£0per month | Included
| Not included
|
| Microsoft 365 Personal | Price£84.99per year | Included
| Not included
|
| Microsoft 365 Family | Price£104.99per year | Included
| Not included
|
| Office Home 2024 | Price£119.99one-off payment | Included
| Not included
|
- Free tier: yes. Excel for the web is free, so a spreadsheet plan can cost nothing at all if you do not need the desktop app.
- Annual billing: Paying annually on Microsoft 365 Personal saves £16.89 against twelve monthly payments
Prices taken from A custom Excel spreadsheet’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Excel for the web at £0 per month is the tier that covers microsoft states excel for the web is free for anyone to use online.
- Microsoft 365 Personal at £84.99 per year is the tier that covers desktop excel, word, powerpoint, outlook and onenote for one person.
- Microsoft 365 Family at £104.99 per year is the tier that covers everything in personal for up to six people.
- Office Home 2024 at £119.99 per one-off is the tier that covers a one-time purchase for a single pc or mac, with no subscription.
A custom Excel spreadsheet suits people who want total control over every assumption and genuinely enjoy building the model, so that is the lens to pick a tier through.
What the price does not cover
- Excel for the web is free, so a spreadsheet plan can cost nothing at all if you do not need the desktop app.
- The full desktop app and its more advanced features
- Sharing with other household members
- The advanced Copilot features in the Premium plan
- Cloud storage
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs A custom Excel spreadsheet.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
A well-built spreadsheet is a legitimately excellent financial plan, and people who enjoy building one should build one. What it costs is your evenings, forever, and it will not tell you when you get an ISA rule wrong. Delphina is the same idea with the UK rules, the Open Banking feed and the maintenance already handled, from Free through £9.99 a month to £19.99 a month.
More on A custom Excel spreadsheet
A custom Excel spreadsheet: common questions
A custom Excel spreadsheet costs £84.99 per year. Paying annually on Microsoft 365 Personal saves £16.89 against twelve monthly payments. Prices were checked on 21 July 2026.
Yes. Excel for the web is free, so a spreadsheet plan can cost nothing at all if you do not need the desktop app. The paid tiers add the features listed above.
The decision-relevant difference is that Microsoft 365 Personal adds desktop excel, word, powerpoint, outlook and onenote for one person. Excel for the web covers microsoft states excel for the web is free for anyone to use online.
Yes, at £0 a month. Paying annually on Microsoft 365 Personal saves £16.89 against twelve monthly payments, so monthly billing is the more expensive route.
There are cheaper tools in the spreadsheet category, though most trade away something A custom Excel spreadsheet does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job A custom Excel spreadsheet does for people who want total control over every assumption and genuinely enjoy building the model.