Christmas Budget Planner 2026 Spreadsheet, Holiday Budget Tracker, Gift Budget, Sinking Fund Savings Plan, Google Sheets & Excel

Keep your holiday spending calm and on track this year. The Holiday Money Planner 2026 is a ready-to-use spreadsheet that brings your gift list, party costs and savings goal together in one place, so you know where every dollar goes before December 25.

✨ WHAT'S INCLUDED
• 1 Google Sheets planner (instant "Make a copy" link)
• 1 Excel (.xlsx) version of the same planner
• 3 color themes in one file. Pick the one you like.
• Built-in formulas that calculate totals for you, protected so they don't break by accident
• A short PDF guide with your Google Sheets copy link and quick setup steps
• Amounts are in US dollars (USD), formatted like $1,234.00. The currency symbol is easy to change in Google Sheets or Excel. This is about the numbers inside the spreadsheet, not the Etsy price.

📋 TABS INSIDE
• Budget Overview: your total budget, amount spent and amount left, with a visual progress bar
• Gift List: one row per person, with budget, gift idea, store link, and bought/wrapped status
• Food & Party: groceries, hosting, decorations and event costs
• Sinking Fund Countdown: shows how much to set aside each week until Dec 25
• Year-over-Year: compare this season with last year
• Instructions: quick setup steps and tips

📥 HOW DELIVERY WORKS
1. After purchase, download the files (PDF guide + .xlsx) from your Etsy Purchases page.
2. Open the PDF and click the "Make a copy" link. Your own private copy opens in Google Sheets.
3. Prefer Excel? Open the included holiday-money-planner-2026.xlsx file.
You'll need a free Google account to use the Sheets version.

💻 COMPATIBILITY
• Google Sheets: in the browser and in the Google Sheets app on phone/tablet
• Microsoft Excel 2016 or newer, and Microsoft 365
• LibreOffice Calc
• Apple Numbers is not supported

⚠️ PLEASE NOTE
• This is an INSTANT DIGITAL DOWNLOAD. No physical item will be shipped.
• For personal use only. Please don't resell or share the file.
• Because this is a digital download, we don't accept returns for change of mind. If a file is faulty or not as described, message us and we'll fix it, or refund you if we can't.

🤖 AI DISCLOSURE
How this was made: Designed by Tinyforge Studio. We created this planner using AI tools from our own original prompts and creative direction. We then selected, edited, and finalized every file by hand. This is a digital download; no physical item will be shipped.