Annual Budget Spreadsheet, Google Sheets & Excel Budget Planner, 12 Month Cash Flow Forecast + Sinking Fund Tracker, Plan Your Year

Plan your whole year of money before it happens. This annual budget spreadsheet for Google Sheets and Excel is a living yearly budget planner that forecasts all twelve months at once, so the expensive ones never blindside you again. Type your income and bills once, and the dashboard shows you exactly which months will run tight, long before they arrive.

Most budget templates only look at the month in front of you. This one looks at the whole road ahead.


SEE YOUR WHOLE YEAR AT A GLANCE
The Dashboard ("Year at a Glance") rolls every month into one clear picture and flags the tight months in advance, so you can see the summer dip or the December crunch while you still have time to do something about it. No surprises. No raiding savings. No reaching for a credit card in month nine.


TURN BIG ONCE-A-YEAR BILLS INTO A CALM MONTHLY HABIT
The built-in Sinking Fund auto-funder takes your irregular annual costs (insurance, property tax, holidays, back-to-school, annual subscriptions) and quietly works out the exact amount to set aside each month. That number flows straight into your budget on its own, so the cash is simply there when the bill lands. This is the one thing an annual budget does that a monthly one never can.


GET A PLAIN-ENGLISH READ ON WHERE YOU STAND
The Forecast tab reads your numbers back to you in clear, human language: your housing cost against the common 30% guideline, your savings rate against your target, your projected year-end balance, and the specific months that look lean. It is like having a calm, organized friend who is good with money look over your shoulder.


WHAT IS INCLUDED
- A Google Sheets "make a copy" link, yours to copy and keep forever.
- An .xlsx file for Microsoft Excel, same tool, same formulas.
- A blank-starter version so you can begin completely fresh, plus a fully filled-in example so you can see exactly how everything works.
- A PDF quick-start guide that has you set up in a couple of minutes.
- 6 tabs: Start Here, Dashboard, Budget, Sinking Funds, Forecast, and Setup.
- Light and dark themes, both included.


WHY IT FEELS DIFFERENT
- Every formula tested. We verify each formula computes correctly before it ships. No broken cells, no math that quietly drifts.
- Fully unlocked. Edit every cell, color, and formula. Nothing is protected. It is yours.
- Works in Google Sheets and Excel. Build wherever you already are.
- Real example numbers, never lorem ipsum. You see a real budget working, then make it your own.
- A real model, not a static grid. Enter your numbers once and you get an accurate live dashboard, a 12-month forecast, and sinking-fund targets you can trust, with plain-English notes on the months that look tight.


HOW DELIVERY WORKS
This is an instant digital download. The moment your payment clears, Etsy gives you the files plus your "make a copy" Google Sheets link. Open the PDF quick-start guide first, it walks you through making your own copy and opening the Excel file, step by step.


100% DIGITAL, NOTHING SHIPS
There is no physical item and nothing will be mailed to you. You receive digital files and a Google Sheets link instantly after purchase, ready to use on your computer, tablet, or phone.


HOW TO MAKE IT YOURS
Open the Start Here tab, follow the three quick steps, and type your real numbers over the example. The blank-starter version is there if you would rather begin from scratch. Change the colors, rename the categories, add your own, it all keeps working. If you ever get stuck, we are one message away.


Designed by northcell using AI-assisted design tools; all formulas are human-tested and verified. This is an original digital product. For organization and planning only, not financial, tax, or legal advice.

Questions, or want a small tweak before you start? Message us anytime at hello [!at] northcell.co. We are a small, hands-on shop and we love hearing from you.