Annual & Monthly Budget Spreadsheet for Google Sheets & Excel

TAKE CONTROL OF YOUR FINANCES ALL YEAR LONG

Simplify your finances with an all-in-one Annual & Monthly Budget Spreadsheet for Google Sheets and Excel. Designed to be beginner-friendly and easy to use, this automated budget planner helps you manage your income, expenses, bills, savings, debt, accounts, subscriptions and net worth in one connected system.

Plan your budget with 12 monthly budget tabs, compare projected vs. actual spending, record transactions, manage recurring payments and see your finances come together automatically on your annual dashboard.

Whether you're creating your first budget, managing household finances or simply want a more organized alternative to complicated budgeting apps, this spreadsheet gives you a clear view of your money throughout the entire year.

⚠️ EXCEL USERS — PLEASE READ BEFORE PURCHASING

The Excel version requires an active Microsoft Excel 365 subscription.

This spreadsheet uses features and formulas designed for Excel 365 and may not work correctly with older or non-subscription versions of Microsoft Excel.

Don't have Excel 365? You can use the included Google Sheets version instead. Google Sheets is free to use with a Google account.

✦ AFTER PURCHASE — PLEASE READ

You will receive TWO separate emails after your purchase.

✓ EMAIL #1 — Order Confirmation
First, you will receive a confirmation email for your order.

✓ EMAIL #2 — Your Download Links
Soon after, you will receive a second email containing the links to download your files.

Please make sure to look for this second email. You will also receive access to the Download page.

✓ For Google Sheets: Download the file that starts with Google Sheets. In this file, click on the button. It will redirect you to the Google Sheets website where you can make a copy of the spreadsheet. If the spreadsheet opens in "View Only," go to "File" and choose "Make a copy."

✓ For Excel: Download the .xlsx file and open it in Microsoft Excel 365.

📩 Need assistance? Send me a message anytime. I am happy to help.

WHAT'S INCLUDED

Annual Dashboard
See your finances at a glance with an annual overview of your income, expenses, bills, debt payments and savings.

12 Monthly Budget Tabs
Create a projected budget for every month, record your actual transactions and easily compare your planned vs. actual results.

Recurring Transactions
Enter repeating income, expenses, bills, debt payments and savings contributions once instead of entering them again every month.

Bills Calendar
Keep track of upcoming bills and scheduled payments throughout the year.

Account Tracker
Track balances across multiple accounts, including transactions, transfers, interest and adjustments.

50/30/20 Breakdown
See how your actual spending compares with the popular 50/30/20 budgeting method.

Couples Breakdown
See income and spending between two people for an easier overview of shared finances.

Subscription Tracker
Keep your recurring subscriptions organized and see how much they're costing you.

Net Worth Tracker
Track your assets and liabilities and follow changes in your net worth over time.

Easy Setup
Customize your income, expense, bill, debt and savings categories to create a budget that works for you.

PERFECT FOR YOU IF YOU...

✓ Want to manage your monthly and annual finances in one spreadsheet

✓ Are new to budgeting and want a beginner-friendly system

✓ Want to track income, expenses, bills, savings and debt together

✓ Want to compare your projected budget with your actual spending

✓ Have recurring transactions you don't want to enter every month

✓ Want to keep track of multiple accounts and balances

✓ Want to track subscriptions and net worth

✓ Want to see how your spending compares with the 50/30/20 method

✓ Manage finances individually or want to see income and spending between two people

✓ Prefer using Google Sheets or Microsoft Excel instead of a budgeting app

HOW IT WORKS

1. Set up your budget
Customize your categories, accounts and budgeting preferences.

2. Plan each month
Enter your projected income, expenses, bills, debt payments and savings goals.

3. Record your transactions
Add your actual transactions throughout the month and assign them to the appropriate categories and accounts.

4. Let the spreadsheet calculate
Built-in formulas automatically calculate your monthly totals, spending breakdowns, account balances and annual results.

5. Review your progress
Compare projected vs. actual spending and see your finances across individual months or the entire year.

BONUS DEBT SNOWBALL & AVALANCHE CALCULATOR

Your purchase also includes a separate Debt Snowball & Avalanche Calculator Spreadsheet to help you create a more detailed debt payoff plan.

Use the Snowball method to prioritize your smallest balances first or the Avalanche method to prioritize debts with the highest interest rates.

Track your debts, organize your repayment strategy and see your estimated payoff progress in one place.

GOOGLE SHEETS & EXCEL

Your purchase includes versions for both:

✓ Google Sheets
✓ Microsoft Excel 365

The spreadsheet contains multiple connected tabs, formulas and automated features, so it is best experienced on a computer.

No advanced spreadsheet knowledge is required.

FREQUENTLY ASKED QUESTIONS

Is this budget spreadsheet suitable for beginners?

Yes. It was designed to make budgeting easier even if you don't have advanced Google Sheets or Excel experience. Built-in formulas, dropdowns and automated calculations do much of the work for you.

Does it work in Google Sheets?

Yes. Your purchase includes a Google Sheets version.

Does it work in Microsoft Excel?

Yes. An Excel version is included and is designed for Microsoft Excel 365.

Can couples use this budget spreadsheet?

Yes. The Couples Breakdown gives you an overview of income and spending between two people, while the rest of the budget can be used to manage your household finances together.

Can I track multiple bank accounts?

Yes. The Account Tracker lets you keep track of multiple account balances as well as transfers, interest and adjustments.

Can I track bills and subscriptions?

Yes. The spreadsheet includes tools for recurring transactions, upcoming payments and subscriptions.

Does it track debt?

Yes. You can include debt payments in your monthly budget. Your purchase also includes a separate Debt Snowball & Avalanche Calculator for more detailed debt payoff planning.

Can I track savings?

Yes. Savings can be included in your monthly and annual budget so you can see how much you're setting aside throughout the year.

Does it include the 50/30/20 budgeting method?

Yes. A dedicated 50/30/20 Breakdown shows how your actual spending compares with the 50% needs, 30% wants and 20% savings/debt framework.

Does it automatically connect to my bank?

No. Transactions are entered manually, so you stay in control of what information is added to your spreadsheet without connecting your bank account.

Can I change the currency?

Yes. The spreadsheet can be customized for most currencies.

Can I use it on a phone or tablet?

You can access compatible spreadsheet files on supported devices, but because this is a comprehensive budgeting system with multiple connected tabs, we recommend using it primarily on a computer for the best experience.

Is this a budgeting app?

No. This is a spreadsheet template for Google Sheets and Microsoft Excel. There are no monthly app subscription fees required to use the template.

IMPORTANT INFORMATION

This is a digital spreadsheet template. No physical product will be shipped.

Your purchase includes both the Google Sheets and Microsoft Excel versions of the spreadsheet.

Please review the compatibility information before purchasing. Due to the number of connected tabs and automated features, we recommend using the spreadsheet primarily on a computer for the best experience.