Family Budget Spreadsheet Google Sheets Dark Mode, Couples Annual Planner, Bill Calendar, Debt Tracker

Family Budget Spreadsheet for Google Sheets in dark mode. This annual budget tracker gives families and couples one shared place to plan the year, keep up with the bills and see where the money goes, on a black design that spares you a bright white screen at night.

Set up your income, bills, savings goals and debts once on the Input Data tab. Then log what you earn and spend, pick the category from a drop-down list, and the monthly tabs, the yearly dashboard and the charts update for you. Every bill lands on a calendar by its due date, so you can both see what is coming. Google Sheets has no dark mode on a computer, so this sheet is dark by design: the colours are saved in the file, and it opens dark in any web browser without an extension. There is no bank login and no subscription.

🎥 WATCH THE TUTORIAL
See every tab in use before you buy: https://www.youtube.com/watch?v=MAviF2c14cM

✅ WHAT YOU CAN TRACK
- Income, savings, bills, expenses and debt, planned against actual, for every month and for the whole year
- Monthly and irregular bills with their amounts and due dates
- A bill calendar that fills in from your due dates, so you can see what is due and when
- Every transaction by category and subcategory, picked from a drop-down list
- Savings goals: the goal, what you have saved, what you add each month and what is left
- Net worth: assets against liabilities, with a net worth goal
- Debts: payments, remaining balances and progress month by month, with the debt snowball method
- Spending priorities: rank each bill and expense from very essential to not essential

📂 21 TABS INCLUDED (plus an Instructions tab)
1. Input Data: your income, savings, bill, expense and debt categories, bill due dates and debt details. Set it up once and the other tabs update
2. My Payments: your monthly and irregular bills, month by month
3. Transactions: log income and spending with drop-down categories and subcategories
4. My Calendar: your bills on a monthly calendar by due date
5. Year: the yearly overview, with planned against actual for net worth, income, savings and bills, a budget vs actual table and cash flow month by month
6 to 17. January to December: one tab per month, with start and end dates, the rollover from the month before and planned against actual income, savings, spending, debt paid off and what is left
18. Savings Dashboard: total goal, total saved, monthly savings and what is left to save, with a chart for each goal
19. Networth: assets, liabilities and net worth against your goal, with the asset split by percentage
20. Debt Tracker: payments made, remaining balance and debt paid off, month by month
21. Priority Sheet: rank bills and expenses from very essential to not essential, planned against actual

👥 WHO IT IS FOR
- Couples and newlyweds who want one budget they can both see
- Families running a household budget with regular bills, savings goals and debts
- Anyone who budgets in the evening and would rather look at a dark screen than a white one

💻 WHAT YOU RECEIVE
- 1 PDF with your link to copy the Google Sheets template
- An Instructions tab inside the workbook
- The video tutorial: https://www.youtube.com/watch?v=MAviF2c14cM
- Dark mode design
This is an instant digital download. No physical item is shipped.

⚙️ COMPATIBILITY
- Google Sheets (free or paid version), with a free Google account
- Download the file in a web browser, not the Etsy app
- This listing does not include an Excel file. The light mode version, for Google Sheets and Excel, is a separate listing in the shop

✏️ EASY TO EDIT
Set your own year, rename the categories, add your own bills and goals, and choose your currency on the Instructions tab. Formulas are protected by default so nothing breaks by accident, and you can unlock them if you want to change more. Need extra sections or a custom layout? Message me and I will quote it for you.

❓ QUICK ANSWERS
- Will it look dark on my laptop? Yes. The dark colours are part of the sheet, so it opens dark in any browser, with no extension or setting to change.
- Can we both use it? Yes. Share one copy in Google Sheets and you can both open and update it. You will both see the same dark design.
- Do I need to know formulas? No. Enter your numbers and the totals, charts and calendar fill in.
- Is there a light or Excel version? Yes. The Family and Couple Budget Spreadsheet in light mode, for Google Sheets and Excel, is in the same shop.

This spreadsheet is a planning tool and is not financial advice.

People also call this a dark mode budget template, black budget spreadsheet, family budget planner, couples budget spreadsheet or household budget tracker.