Annual Budget Spreadsheet | Yearly Budget Planner Template for Excel and Google Sheets | Monthly Budget, Bills, Sinking Funds and Net Worth

Budget your whole year in one beautiful sheet — monthly budgets, every bill, sinking funds, debt and net worth, all updating themselves as you type. Works in Excel and Google Sheets. Pay once.

💰 Take control of an entire year of money — without apps, subscriptions or a single formula to build.

Most budget templates are one bare month grid. This is the complete annual system: plan the year, log every dollar once, and watch 12 monthly tabs, an automated dashboard, your savings rate and your net worth fill themselves in. Start in any month — January or mid-year, it adjusts.

📊 WHAT'S INSIDE — 26 connected tabs that do the math for you:

• Dashboard — your whole year at a glance: income, spending, savings rate, budget vs actual and charts, all automatic
• Annual Totals — every category across all 12 months, totaled for you
• Annual Budget — set your plan once, see planned vs real vs variance for the year
• 12 Monthly Tabs (Jan–Dec) — each month its own budget vs actual with a percent-used bar
• Transactions — one simple log with dropdowns; everything else flows from here
• Recurring Transactions — your subscriptions and regular bills, entered once
• Bill Tracker — every bill, due date and paid / due / overdue status, color-coded
• Paycheck Planner — paid biweekly? Assign bills and savings to each paycheck
• Sinking Funds — save up for vacations, the holidays, a new car, with progress bars
• 50 / 30 / 20 — see your needs, wants and savings split against the classic rule
• Net Worth — assets minus liabilities, tracked month over month with a trend line
• Investment Forecast — project how your savings could grow over time
• No-Spend Challenge — a 30-day grid to reset your spending
• Setup + Start Here — make the categories yours, with a quick guide

✨ Built for real people, not accountants:
Couples and households, biweekly earners, anyone juggling bills and savings 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 year-long system, not a single month grid
• Beautiful built-in charts so you actually see where your money goes
• Every formula independently tested — your numbers will be right

🗓️ 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 budget year and your own categories
3. Log income and spending — the dashboard, 12 months and reports build themselves

📩 You will receive:
• The Excel workbook (.xlsx) — also opens in Google Sheets
• A 2-page step-by-step Quick-Start guide (PDF)
• Free lifetime updates
• Friendly support — message anytime

💡 Pairs perfectly with our Paycheck Budget Spreadsheet and our Debt Snowball and Payoff Planner — build the full money system.

⚠️ Please note:
• Instant DIGITAL DOWNLOAD — no physical item is shipped.
• The template is delivered blank. The images and video show sample data to demonstrate how it looks once filled in.
• Built and tested in the latest Excel (Office 365). On Mac, we recommend the Google Sheets version. Not compatible with Apple Numbers.
• For personal use only. This spreadsheet is for informational purposes and is not financial, tax or legal advice. © NicheToolkitHub — no resale or redistribution.

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