One spreadsheet for your whole money year. Set it up once, log what you spend, and 28 tabs of totals, charts and calendars fill themselves in.

WHAT YOU GET (instant download)

• Ultimate Annual Budget spreadsheet (.xlsx) for Microsoft Excel and Google Sheets
• A Start Here tab that walks you through setup

28 TABS IN 4 SECTIONS

Transactions

• Setup: your categories, budgets and income sources, grouped into needs, wants and savings
• Accounts: bank accounts, cards and cash, with balances that update themselves
• Recurring: add a bill, subscription or payday once (weekly, every 2 weeks, monthly, quarterly, every 6 months or yearly) and it is counted in every month it falls due, with its next due date
• Transactions: everything else, with drop-downs for category, account and type

Dashboards

• Dashboard: your year and this month at a glance, account balances and goals
• Annual Totals: every category, every month, side by side
• Calendar: bills due, paydays and spending on each day of the month
• Paycheck: income per source, paydays per month and how much to set aside from each

Monthly

• 12 monthly tabs: budget vs. spent for each category, income vs. expected, and where the money went, with charts
• Your plan can start in any month

Build your wealth

• 50-30-20 Rule: how your income splits between needs, wants and savings
• Expense Distribution: where the year's money went
• Sinking Funds: save month by month for planned costs
• Debt Payoff: payoff dates, interest, what an extra payment saves, and snowball and avalanche order
• Net Worth: assets minus debts, month by month
• Investment Forecast: what regular investing could grow to
• No-Spend Challenge: every day with no spending logged gets a tick

GOOD TO KNOW

• Works in Microsoft Excel and Google Sheets (upload to Google Drive and open with Google Sheets)
• Cream cells are for typing; everything else is calculated, and calculated tabs are protected against accidental edits (no password)
• Amounts have no currency symbol, so it works in any currency
• The listing images show sample data; your file starts empty apart from a few example rows to delete
• Estimates on the debt and investment tabs assume fixed rates; they are not financial advice
• Digital file, nothing is shipped
• For personal use only. Please do not share or resell the file.

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