Monthly Budget Planner Spreadsheet, Google Sheets and Excel, Bill Tracker and Sinking Funds

Descripción del vendedor

A monthly budget planner for Google Sheets and Excel that helps you log what comes in and goes out, tick bills as you pay, and see what's left to budget this month — in any currency.

Works with: Excel 2019+ / 365, Google Sheets, print (A4 or US Letter). Instant download. No subscription. Yours to keep.

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WHAT'S INCLUDED
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• Includes a filled EXAMPLE workbook, Access Guide (Google Sheets link), and Quick Start / how-to notes — open EXAMPLE before your blank.
• Access guide PDF with a MAKE MY COPY button for Google Sheets
• Quick Start (how to use the planner — included with your download)
• Blank Excel file plus an EXAMPLE with three months of sample data
• 8 tabs: Start Here, Month, Log, Bills, Savings & Debt, Year, Net Worth, Example
• Capacities wired in: 60 bills, 15 sinking funds, 10 goals, 10 debts, 600+ log rows, 15 renameable categories

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HOW IT WORKS
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1. Open the access guide, make your Google Sheets copy (or open the .xlsx), then peek at the EXAMPLE tab.
2. On Start Here, set your year, currency and pay schedule. Type only in the soft cream cells with a dark edge — everything else is protected.
3. Add each bill once, then type day-to-day spending in the Log — Month, Year and Net Worth update for you.

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WHY YOU'LL LOVE IT
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• Budget by month or by pay (weekly, fortnightly or monthly)
• Any currency — pick your symbol on Start Here
• Sinking funds for lumpy costs like rego or Christmas
• Automatic year view and a net worth trend
• Bill checklist, bill calendar and "what each pay covers"
• Clear layout with colour only where it helps (category bars and "over" flags)

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FAQ
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Q: Does this work in Google Sheets and Excel?
A: Yes. You get an Excel workbook and a Google Sheets link (via the Access Guide). Use whichever you prefer — no subscription to YamCo.

Q: How do I download and open it?
A: After purchase, open your Etsy Purchases (or confirmation email) and download the files. Start with the Access Guide PDF — it has the Google Sheets button and any backup link. Then open the EXAMPLE file before the blank.

Q: Can I use it on my phone?
A: You can view it on a phone, but setup and day-to-day typing are much easier on a computer or tablet. The Sheets / Excel mobile apps hide some features — we recommend a laptop or desktop for the first setup.

Q: Is this for personal use only?
A: Yes — for personal use only. Please don't share the download link or resell the files.

Q: What's your refund policy on digital files?
A: Digital files can't be returned for a change of mind once downloaded, so please check the details and preview before buying. If a file is faulty or doesn't match the description, message us and we'll fix it or send a replacement. If we can't fix it, or there's a major problem, you can choose a refund instead. This doesn't affect your rights under your local consumer law.

Q: Where should I start so it isn't confusing?
A: Open the EXAMPLE file first (about 2 minutes) — it's filled with sample data so you can see how it works. Then open your blank file and type only in the soft cream cells with a dark edge — everything else is protected. Start Here is the first tab.

Q: Where do I type?
A: Type only in the soft cream cells with a dark edge — everything else is protected.

Q: Is this financial advice?
A: No — it's a budgeting tool, not financial advice.

Q: Is there a video walkthrough?
A: [YouTube how-to — add when live]

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ALSO FROM YAMCO
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• Budget Pro (AU) for fortnightly AU pay, tax and HECS: https://www.etsy.com/mx/listing/4606050732/budget-pro-au-2026-27-australian-budget
• Steady Pay Budget for irregular income: https://www.etsy.com/mx/listing/4608846908/hoja-de-calculo-para-presupuesto-de
• Savings Challenges printable: https://www.etsy.com/mx/listing/4606059622/plantilla-imprimible-y-rellenable-en-pdf

PLEASE NOTE
• This is a budgeting tool, not financial advice.
• Personal use only. Please don't share the link or resell the files.

THE YAMCO WORKS-OR-WE-FIX-IT PROMISE
Digital files can't be returned for a change of mind once downloaded, so please check the details and preview before buying. If a file is faulty or doesn't match the description, message us and we'll fix it or send a replacement. If we can't fix it, or there's a major problem, you can choose a refund instead. This doesn't affect your rights under your local consumer law.

AI disclosure: YamCo makes its products with the help of AI tools. AI was used to build this spreadsheet, run its automated formula checks, and draft this description, following YamCo's design and brief.

YamCo