{"product_id":"annual-budget-planner","title":"Annual Budget Planner","description":"\u003cp\u003e\u003cstrong\u003eIncome, expenses, bills, savings goals, debt payoff and net worth. One clean spreadsheet, zero formulas to write.\u003c\/strong\u003e\u003c\/p\u003e\u003ch3\u003e11 tabs, all connected\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart Here\u003c\/strong\u003e — Settings + 5-minute guide\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard\u003c\/strong\u003e — Whole-year overview + charts\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly\u003c\/strong\u003e — Planned vs actual, any month\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTransactions\u003c\/strong\u003e — Your income \u0026amp; expense log\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBudget\u003c\/strong\u003e — Planned amounts per month\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSetup\u003c\/strong\u003e — Your categories \u0026amp; accounts\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBills\u003c\/strong\u003e — Due dates + paid ticks\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings Goals\u003c\/strong\u003e — Targets, deadlines, progress\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff\u003c\/strong\u003e — Snowball calculator\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNet Worth\u003c\/strong\u003e — Assets, debts, monthly\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHoliday Budget\u003c\/strong\u003e — Gifts \u0026amp; seasonal spending\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBlank + Demo files\u003c\/strong\u003e — Start clean or explore the demo\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWhat it does\u003c\/h3\u003e\u003cp\u003e\u003cstrong\u003eSee exactly where your money went\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePick any month from a dropdown\u003c\/li\u003e\n\u003cli\u003ePlanned vs actual for every category\u003c\/li\u003e\n\u003cli\u003eLeft to spend and savings rate at a glance\u003c\/li\u003e\n\u003cli\u003eColour alerts when a category goes over\u003c\/li\u003e\n\u003cli\u003e50 \/ 30 \/ 20 check built in\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eYour whole year on one page\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eIncome vs spending, month by month\u003c\/li\u003e\n\u003cli\u003eTop spending categories ranked\u003c\/li\u003e\n\u003cli\u003eSavings rate and average monthly spend\u003c\/li\u003e\n\u003cli\u003eCharts update on their own\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eLog an expense in 10 seconds\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eDate, description, category dropdown, amount. Done.\u003c\/li\u003e\n\u003cli\u003eWorks from the Google Sheets app on your phone\u003c\/li\u003e\n\u003cli\u003eType, month and year fill in automatically\u003c\/li\u003e\n\u003cli\u003eRoom for 1,000 transactions a year\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eNever miss a bill again\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eDue day, frequency and auto-pay for every bill\u003c\/li\u003e\n\u003cli\u003eTick each one when it's paid\u003c\/li\u003e\n\u003cli\u003ePaid and still-to-pay totals per month\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eReach your goals. Kill your debt.\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eProgress bars and how much to save each month\u003c\/li\u003e\n\u003cli\u003eDebt snowball with months-to-freedom\u003c\/li\u003e\n\u003cli\u003eSee the interest you save with extra payments\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eWatch your net worth grow\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eAssets and debts, once a month\u003c\/li\u003e\n\u003cli\u003eChange vs last month\u003c\/li\u003e\n\u003cli\u003eYear chart, automatic\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eHoliday budget included\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eGift budget per person, bought and wrapped ticks\u003c\/li\u003e\n\u003cli\u003eFood, decor, travel and cards tracked separately\u003c\/li\u003e\n\u003cli\u003eLeft of total budget, live\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eSet up in 5 minutes\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eDownload \u0026amp; open\u003c\/strong\u003e — Open the .xlsx in Excel, or upload it to Google Drive and choose 'Save as Google Sheets'.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRename your categories\u003c\/strong\u003e — Type your own income sources and expense categories in the Setup tab. Add your planned amounts.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLog, then look\u003c\/strong\u003e — Add transactions as they happen. The Monthly tab and Dashboard update instantly.\u003c\/li\u003e\n\u003c\/ol\u003e\u003cul\u003e\n\u003cli\u003eUndated: use it for 2026, 2027 and every year after\u003c\/li\u003e\n\u003cli\u003eAny currency\u003c\/li\u003e\n\u003cli\u003eCream cells = type here, white cells = automatic\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWhat you receive\u003c\/h3\u003e\u003cp\u003eAn 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.\u003c\/p\u003e\u003cp\u003eDigital download — nothing is posted. No refunds on digital files, but message us if anything does not work and we will fix it.\u003c\/p\u003e","brand":"LumiSheets","offers":[{"title":"Default Title","offer_id":67578623983937,"sku":"LS-BUD","price":39.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1006\/7243\/8593\/files\/annual-budget-planner-01_292b710e-d1eb-47ae-af65-2911ed653b57.jpg?v=1790447069","url":"https:\/\/deskeaseco.com\/products\/annual-budget-planner","provider":"Desk Ease Co.","version":"1.0","type":"link"}