Annual Budget Spreadsheet | Family Savings Goal Tracker (Digital Download)

Plan the whole year on one calm spreadsheet. The Lizara Annual Budget + Savings-Goal Tracker steps up from a monthly view to a full 12-month plan — so you can see every dollar coming in, every dollar going out, and every goal you're saving toward, all in one place.

Plan the whole year on one calm spreadsheet. The Lizara Annual Budget + Savings-Goal Tracker steps up from a monthly view to a full 12-month plan — so you can see every dollar coming in, every dollar going out, and every goal you're saving toward, all in one place.

No more guessing whether you can afford the vacation, the new car, or the holiday season. Set your income, plan your spending, name your savings goals, and let the sheet do the math. It works in both Microsoft Excel and Google Sheets.

★ WHY FAMILIES LOVE IT
• See the whole year at a glance — income, spending, savings target, and projected year-end net
• 15 expense categories pre-filled and ready to customize — Fixed, Variable, or Annual
• Name your savings goals (emergency fund, vacation, holidays, the next car) and watch progress bars fill as you save
• Auto monthly-contribution math — set a goal and a target date, and the sheet tells you exactly how much to save each month
• A 12-month income vs. spending bar chart updates the moment you type
• Monthly check-in tab so you can log actuals and see variance vs. plan
• Drop-downs, auto totals, and gentle color-coding keep everything tidy

★ WHAT'S INCLUDED
• Dashboard — annual income, spending, savings target, and projected year-end at a glance, plus a 12-month bar chart and savings-progress bars per goal
• Income — monthly income by source for all 12 months with auto totals
• Expenses — 15 categories × 12 months with Fixed / Variable / Annual drop-downs, row totals, and a % of annual column
• Savings Goals — name each goal, set a target amount and date, and the sheet auto-calculates months remaining, monthly contribution required, and % to goal
• Monthly Check-in — log actual income, spending, and savings each month and see income variance, spend variance, and net at a glance
• A "Start Here" guide built right into the file

★ HOW IT WORKS
1. Enter your monthly income by source on the Income tab
2. Set planned spending per category for each month on Expenses
3. Name your savings goals and target dates — the sheet does the contribution math
4. Each month, log actuals on the Check-in tab and see how you tracked

★ INSTANT DIGITAL DOWNLOAD
This is a digital product — nothing will be shipped. Right after purchase you can instantly download the spreadsheet file (.xlsx).

★ WORKS IN EXCEL AND GOOGLE SHEETS
Use it in Microsoft Excel (desktop, 2016 or newer recommended), or use it free in Google Sheets — just upload the file to Google Drive and open it with Google Sheets. It is not designed for the Excel mobile app or Apple Numbers.

★ A NOTE ON DIGITAL ITEMS
Because this is an instant download, all sales are final and no refunds are offered. But if anything ever looks off with your file, just message us — we'll happily make it right.

★ HOW THIS WAS MADE
Every Lizara template is built using AI-assisted authoring with Anthropic's Claude, then formula-verified, hand-curated, and brand-finished by our family before publishing. We share this openly in the spirit of Etsy's seller policy on AI-assisted listings. The result is the same quality you'd expect from a careful designer — produced more efficiently so we can keep prices accessible for families.

For personal use only. Please don't resell, share, or redistribute the file or its design.

Thank you for supporting our small family business. — The Lizara familyo more guessing whether you can afford the vacation, the new car, or the holiday season. Set your income, plan your spending, name your savings goals, and let the sheet do the math. It works in both Microsoft Excel and Google Sheets.

★ WHY FAMILIES LOVE IT
• See the whole year at a glance — income, spending, savings target, and projected year-end net
• 15 expense categories pre-filled and ready to customize — Fixed, Variable, or Annual
• Name your savings goals (emergency fund, vacation, holidays, the next car) and watch progress bars fill as you save
• Auto monthly-contribution math — set a goal and a target date, and the sheet tells you exactly how much to save each month
• A 12-month income vs. spending bar chart updates the moment you type
• Monthly check-in tab so you can log actuals and see variance vs. plan
• Drop-downs, auto totals, and gentle color-coding keep everything tidy

★ WHAT'S INCLUDED
• Dashboard — annual income, spending, savings target, and projected year-end at a glance, plus a 12-month bar chart and savings-progress bars per goal
• Income — monthly income by source for all 12 months with auto totals
• Expenses — 15 categories × 12 months with Fixed / Variable / Annual drop-downs, row totals, and a % of annual column
• Savings Goals — name each goal, set a target amount and date, and the sheet auto-calculates months remaining, monthly contribution required, and % to goal
• Monthly Check-in — log actual income, spending, and savings each month and see income variance, spend variance, and net at a glance
• A "Start Here" guide built right into the file

★ HOW IT WORKS
1. Enter your monthly income by source on the Income tab
2. Set planned spending per category for each month on Expenses
3. Name your savings goals and target dates — the sheet does the contribution math
4. Each month, log actuals on the Check-in tab and see how you tracked

★ INSTANT DIGITAL DOWNLOAD
This is a digital product — nothing will be shipped. Right after purchase you can instantly download the spreadsheet file (.xlsx).

★ WORKS IN EXCEL AND GOOGLE SHEETS
Use it in Microsoft Excel (desktop, 2016 or newer recommended), or use it free in Google Sheets — just upload the file to Google Drive and open it with Google Sheets. It is not designed for the Excel mobile app or Apple Numbers.

★ A NOTE ON DIGITAL ITEMS
Because this is an instant download, all sales are final and no refunds are offered. But if anything ever looks off with your file, just message us — we'll happily make it right.

For personal use only. Please don't resell, share, or redistribute the file or its design.

Thank you for supporting our small family business. — The Lizara family