Annual Budget Planner Spreadsheet, Monthly Tracker, Debt Snowball (Google Sheets & Excel)

QUICK ANSWERS

1. Do I get Google Sheets* AND Excel*?
Yes. You get the Microsoft* Excel* file (.xlsx) plus a one-click Google Sheets* copy link inside a PDF. Both versions work the same, both include Light and Dark themes, and there is nothing to install: no macros, add-ons or bank logins.

2. Is it hard to set up?
No. A guided 3-step quick start takes about 15 minutes and checks itself off as you go. Type each income and expense ONCE with how often it happens (weekly, every 2 weeks, monthly, quarterly, yearly...) and the full 12-month plan fills itself in.

3. I get paid every 2 weeks. Will it work for me?
Yes. Choose "Every 2 weeks" and your first payday: every paycheck is counted, 3-paycheck months appear automatically, and the Paycheck Planner shows which paycheck pays which bill.

4. Can I accidentally break it?
It is beginner-proof but never locked. White cells are where you type, tinted cells are automatic. Type over a formula and a warning asks you first. If a cell turns red, Ctrl+Z or the Formula Backup tab fixes it in seconds, and a health check on Start Here tells you if anything is wrong.

5. Is it dated? Can I start mid-year?
It is undated and reusable. Pick any start month and year (2026, 2027 and beyond) and every tab, label and date follows. Use any currency symbol you like.

6. Is there a YouTube tutorial?
Yes. A step-by-step video walkthrough (about 5½ minutes, with chapters and captions) shows the full setup and everyday use. The link is in your download as a PDF.

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Plan your whole year, track every month and finally see where your money goes. The ProFormaGRID Annual Budget Planner is a calm, beautifully designed budget spreadsheet that does the math for you: powered by 13,900+ automated formulas across 12 tabs, with a one-click Light / Dark theme.

WHAT'S INCLUDED
- Microsoft* Excel* file (.xlsx) with Light and Dark themes
- Google Sheets* copy link (PDF) with the same Light and Dark themes
- Step-by-step Instructions PDF (8 pages)
- YouTube video tutorial link (PDF): a 5½-minute step-by-step walkthrough

KEY FEATURES
- YEAR DASHBOARD: money in, spent, saved, savings rate, left over and emergency fund at a glance, cash flow for all 12 months side by side, charts, plan vs actual, a 50/30/20 check and every category, every month.
- BUDGET PLAN: enter each line once with how often it happens (9 options, from weekly to yearly and one time). Change a single month any time (like gifts in December). "Left to budget" turns green when every dollar has a job.
- MONTH VIEW: pick any month for planned vs actual by category, progress bars, a daily spending allowance, upcoming bills and a 50/30/20 snapshot.
- TRANSACTIONS: a simple 2,000-row log with category dropdowns. No formulas in the log, so it is safe to sort and easy on your phone. Transfers and credit-card payments are never double-counted.
- BILLS: a full-year bill checklist. Pick a checkmark when paid and it counts as spent, no double entry. Overdue bills turn red, and bills you already logged turn green by themselves.
- PAYCHECK PLANNER: weekly, every 2 weeks, every 4 weeks or twice a month. See which paycheck pays which bill, what is left from each paycheck and every payday of the year, with extra-paycheck months flagged.
- SAVINGS GOALS & SINKING FUNDS: progress bars, needed per month to hit each target date, and on-track status.
- DEBT PAYOFF: snowball, avalanche or your own order, with an extra monthly payment, payoff date for every debt, interest saved and a balance chart.
- NET WORTH: assets and debts once a month, a net worth trend chart and an emergency cushion meter.
- START HERE: a self-checking quick start, the theme switch and a formula health check.
- FORMULA BACKUP: every formula written down, plus three easy ways to restore a cell.

WHY YOU'LL LOVE IT
- One-time price, no subscription (many budgeting apps cost around $100 every year)
- Your numbers stay private in your own Google Drive* or computer
- Start any month, any currency, rollover on or off
- Clean, calm design that is easy on the eyes, in Light or Dark mode

HOW IT WORKS
1. Purchase and download your files from Etsy.
2. Open the .xlsx in Excel*, or open the PDF link and click "Make a copy" in Google Sheets*.
3. Follow the 3-step quick start on the Start Here tab. Prefer video? Watch the YouTube tutorial linked in your download.

COMPATIBILITY
- Excel* 2016 or newer on Windows or Mac, and Excel* on the web
- Google Sheets* with a free Google* account (works in the Google Sheets* app on phones and tablets)
- Not designed for Apple Numbers* or LibreOffice

PLEASE NOTE
- This is a digital product. No physical item will be shipped.
- The template arrives blank. Listing images use sample data.
- Colors may vary slightly between screens.
- This is a budgeting tool, not financial advice.
- For personal use only. Please do not share or resell.

Questions? Message us any time. We're happy to help.

Find more templates at ProFormaGRID.com

*Google, Google Sheets and Google Drive are trademarks of Google LLC. Microsoft and Excel are trademarks of Microsoft Corporation. Numbers is a trademark of Apple Inc. ProFormaGRID is not affiliated with these companies.