Annual & Monthly Budget Spreadsheet for Google Sheets & Excel

Take control of your money, month by month

Plan your budget, track spending, and see your whole year in one connected Annual & Monthly Budget Spreadsheet for Google Sheets and Excel. Compare planned versus actual spending, organize bills and savings, and follow your progress on an annual dashboard.

Start your month with a clear plan, add transactions as you go, and let the built-in formulas calculate your totals. Beginner-friendly setup, dropdowns, and automatic calculations help you stay organized without advanced spreadsheet knowledge.

• 12 monthly budget tabs and an annual dashboard
• Recurring transactions, bills calendar, and account tracking
• Subscription, net worth, and savings tracking
• Bonus Debt Snowball & Avalanche Calculator

Before you buy

• Both versions included: Google Sheets and Microsoft Excel 365.
• Excel requires an active Microsoft Excel 365 subscription. Older or non-subscription versions may not work correctly.
• Google Sheets is free to use with a Google account.
• Best used on a computer. You can access compatible files on supported phones and tablets, but the connected tabs are easier to use on a computer.
• Manual transaction entry. This template does not connect to your bank. Calculations and recurring entries are automated.
• Digital download only. No physical product will be shipped.

What's included

• Annual dashboard: View income, expenses, bills, debt payments, and savings across the year.
• 12 monthly budget tabs: Plan each month's budget, record actual transactions, and compare projected versus actual results.
• Recurring transactions: Enter repeating income, expenses, bills, debt payments, and savings contributions once instead of re-entering them every month.
• Bills calendar: Keep track of upcoming bills and scheduled payments.
• Account tracker: Track multiple account balances, transfers, interest, and adjustments.
• 50/30/20 breakdown: Compare actual spending with the 50% needs, 30% wants, and 20% savings/debt framework.
• Couples breakdown: See income and spending between two people for a clearer view of shared finances.
• Subscription tracker: Organize recurring subscriptions and see their costs.
• Net worth tracker: Track assets and liabilities and follow changes over time.
• Customizable setup: Personalize income, expense, bill, debt, and savings categories. The spreadsheet can be customized for most currencies.

Bonus: Debt Snowball & Avalanche Calculator

Your purchase includes a separate spreadsheet for more detailed debt payoff planning. Use the Snowball method to prioritize smaller balances or the Avalanche method to prioritize higher-interest debts. Organize your repayment strategy and view estimated payoff progress.

How it works

1. Set up: Customize your categories, accounts, and budgeting preferences.
2. Plan: Enter projected income, expenses, bills, debt payments, and savings goals for each month.
3. Track: Add actual transactions and assign their categories and accounts.
4. Review: Built-in formulas calculate totals, spending breakdowns, account balances, and annual results so you can compare your plan with your progress.

How to access your files after purchase

You will receive two separate emails: an order confirmation first, followed by a second email containing your download links. Please look for the second email. You will also have access to the Download page.

• Google Sheets: Download the file whose name starts with Google Sheets, then click the button inside it. This opens Google Sheets so you can make your own copy. If it opens in View Only, select File > Make a copy.
• Excel: Download the .xlsx file and open it in Microsoft Excel 365.

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

Frequently asked questions

Is it suitable for beginners?
Yes. Built-in formulas, dropdowns, and automated calculations do much of the work. No advanced spreadsheet knowledge is required.

Can I use it individually or as a couple?
Yes. Use it for your own budget or household finances. The Couples Breakdown shows income and spending between two people.

Can I track savings and debt?
Yes. Include savings and debt payments in your monthly and annual budgets. The separate bonus calculator supports more detailed debt payoff planning.

Does it connect to my bank?
No. You enter transactions manually without connecting your bank account.

Is this a budgeting app?
No. It is a spreadsheet template with no monthly app subscription fees required to use the template. The Excel version requires an active Excel 365 subscription; the included Google Sheets version can be used free with a Google account.