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Budget Planner Spreadsheet | Monthly, Paycheck and Annual Budget Template for Excel and Google Sheets | Bills, Savings and Net Worth

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Highlights

  • Designed by NicheToolkits
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

Run your whole financial year from one simple sheet — no apps, no subscriptions, no math.

Most budget templates are a single bare month grid. This is a complete money system: budget the year, track every dollar, plan by paycheck, crush debt, save for the big stuff, and watch your net worth climb — all in one file that updates itself as you type.

WHAT'S INSIDE — 11 connected tabs that do the math for you:
• Dashboard — income, spending, savings rate, budget-vs-actual and charts, all automatic
• Annual Budget — plan every category across all 12 months; totals and averages fill in
• Monthly Budget — pick a month, see planned vs actual for every category with a %-used bar
• Transactions — one simple log with dropdowns; everything else flows from here
• Bill Tracker — every recurring bill, due date, autopay flag and paid/unpaid status
• Paycheck Planner — paid biweekly? Assign bills and savings to each paycheck so nothing bounces
• Sinking Funds — save up for vacations, a car, the holidays, with progress bars
• Debt Payoff — list every debt and get snowball + avalanche payoff order and a payoff date
• Net Worth — assets minus liabilities, tracked month over month
• Setup + Start Here — make the categories yours, with a 3-minute guide

BUILT FOR REAL PEOPLE, NOT ACCOUNTANTS:
Couples and households, biweekly earners, anyone paying down debt, savers with big goals, and first-time budgeters who want it done for them — no formulas to build, ever.

WHY THIS ONE AND NOT A FREE TEMPLATE:
• Works in both Excel and Google Sheets — nothing to buy, no monthly fee
• Auto-calculating — type in the blue cells only; everything else updates itself
• A complete system (annual + monthly + paycheck + debt + savings + net worth), not just a tracker
• Beautiful built-in charts so you actually see where your money goes

HOW IT WORKS (3 steps):
1. Download and open in Excel — or upload to Google Drive and open with Google Sheets
2. On the Setup tab, set your name, budget year and your own categories
3. Log income and spending — the Dashboard, budgets and reports build themselves

WHAT YOU GET:
• Personal-Budget-Tracker.xlsx (works in Excel + Google Sheets)
• A 1-page Quick-Start guide (PDF)

Instant digital download — your file is ready the moment you buy. Free lifetime updates. Questions, or want a custom category set? Message me anytime — happy to help.

🎥 WATCH THE FULL VIDEO TUTORIAL
See exactly how to set up and use this spreadsheet, tab by tab:
https://youtu.be/tfg2njMcELE

➕ PAIRS WITH — Profit & Loss Statement Template (Excel & Google Sheets), our auto-calculating small-business income statement: https://www.etsy.com/listing/4526203116/profit-and-loss-statement-template-excel

➕ PAIRS WITH — Expense Tracker Spreadsheet — see exactly where your money actually goes each month (Excel & Google Sheets): https://www.etsy.com/listing/4526137621/expense-tracker-spreadsheet-monthly

NOTE: This is a digital download; nothing physical will be shipped. Because files are delivered instantly, all sales are final.

★ PAIRS PERFECTLY WITH ★
• Meal Planner & Grocery Spreadsheet (plan meals + auto grocery list + food budget) → https://www.etsy.com/listing/4527717320/meal-planner-spreadsheet-with-automatic

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Ryan Smith
NicheToolkits ·

United States

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
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3 months on Etsy
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Listed on Jun 16, 2026
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