Annual Budget Planner

Income, expenses, bills, savings goals, debt payoff and net worth. One clean spreadsheet, zero formulas to write.

11 tabs, all connected

• Start Here — Settings + 5-minute guide
• Dashboard — Whole-year overview + charts
• Monthly — Planned vs actual, any month
• Transactions — Your income & expense log
• Budget — Planned amounts per month
• Setup — Your categories & accounts
• Bills — Due dates + paid ticks
• Savings Goals — Targets, deadlines, progress
• Debt Payoff — Snowball calculator
• Net Worth — Assets, debts, monthly
• Holiday Budget — Gifts & seasonal spending
• Blank + Demo files — Start clean or explore the demo

What it does

See exactly where your money went

• Pick any month from a dropdown
• Planned vs actual for every category
• Left to spend and savings rate at a glance
• Colour alerts when a category goes over
• 50 / 30 / 20 check built in

Your whole year on one page

• Income vs spending, month by month
• Top spending categories ranked
• Savings rate and average monthly spend
• Charts update on their own

Log an expense in 10 seconds

• Date, description, category dropdown, amount. Done.
• Works from the Google Sheets app on your phone
• Type, month and year fill in automatically
• Room for 1,000 transactions a year

Never miss a bill again

• Due day, frequency and auto-pay for every bill
• Tick each one when it's paid
• Paid and still-to-pay totals per month

Reach your goals. Kill your debt.

• Progress bars and how much to save each month
• Debt snowball with months-to-freedom
• See the interest you save with extra payments

Watch your net worth grow

• Assets and debts, once a month
• Change vs last month
• Year chart, automatic

Holiday budget included

• Gift budget per person, bought and wrapped ticks
• Food, decor, travel and cards tracked separately
• Left of total budget, live

Set up in 5 minutes

1. Download & open — Open the .xlsx in Excel, or upload it to Google Drive and choose 'Save as Google Sheets'.
2. Rename your categories — Type your own income sources and expense categories in the Setup tab. Add your planned amounts.
3. Log, then look — Add transactions as they happen. The Monthly tab and Dashboard update instantly.

• Undated: use it for 2026, 2027 and every year after
• Any currency
• Cream cells = type here, white cells = automatic

What you receive

An instant download containing a blank file to start clean, a demo file filled in so you can see how it works, and a short read-me. Works in Google Sheets (free) and in Microsoft Excel, on a phone, a tablet or a computer. Any currency, any country.

Digital download — nothing is posted. No refunds on digital files, but message us if anything does not work and we will fix it.