Annual Budget Planner Spreadsheet for Google Sheets and Excel

ANNUAL BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

An annual budget planner for anyone who wants to plan a full year, not just one month. It plans the months with yearly bills ahead of time, instead of letting them show up as a surprise.
Works with zero-based budgeting or carried-over leftovers, your choice on Start here.

📊 WHAT IT DOES

✓ Year plan: the next twelve months by category, with yearly bills marked in the month they are due.
✓ Annual bills: bills that don't come every month, like insurance or the holidays, each kept in its own month.
✓ Sinking funds: one monthly transfer that covers all your yearly bills, and whether each fund will be full in time.
✓ Heavy months: the months that cost much more than the rest, named ahead of time, with a monthly amount to even them out.
✓ Year end: a forecast for your year from what you spent so far and the pace of the last three months.
✓ What changed: your last six months compared with the six before, by category.
✓ Payoff plan: your debts in payoff order, snowball or avalanche, with a debt-free date.
✓ Bill calendar: this month's bills by due date, so you can see what is paid and what is still due.
✓ Catch-up: four steps to bring the plan up to date if you missed a few months.

📂 WHAT'S INSIDE: 31 TABS AND 81 CHARTS

✓ Start with these: Home, Start here, Setup, Income, Spending, Bills, Annual bills, Accounts
✓ Planning the year: Year plan, Zero-based, Month, Sinking funds
✓ Year overview: Heavy months, Year end, What changed, Seasons
✓ Bills and debt: Bill calendar, Debt, Payoff plan, Credit cards
✓ Putting money away: Goals, Big buys, Net worth
✓ Looking back: Months, Year, Categories
✓ Staying on track: Check-in, Notes, Catch-up, Read me, Free gift

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, fill in the shaded cells: your name, your take-home pay, other income, how the month works and your emergency fund target.
3. Add your categories on Setup, your bills on Bills, your yearly bills on Annual bills, then log income and spending as you go.
4. Everything else fills in by itself. Home shows what is left this month, year-end versus plan, yearly bills and the most expensive month.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel on Windows or Mac
✓ A filled example to look around, and a blank copy for your own data
✓ A PDF with the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.
This planner is a tool for your own records, not financial advice.