Annual Budget Spreadsheet 2027, Yearly Budget Planner, Monthly Budget Tracker, Savings Rate, Google Sheets & Excel Budget, 10 Languages

See your whole year on one screen. At the end of each month, type what came in and what went out for each line. The dashboard shows income and spending month by month, what you saved and your savings rate, your best month, and which categories ran over the plan.

WHAT YOU SEE ON THE DASHBOARD
• Income, spending and savings so far, your average month and your best month
• Days left in the year
• Income and spending by month: a chart of all 12 months side by side
• Month by month: income, spent, saved and savings rate for each month
• Categories against the plan: 15 categories, the plan for the months so far vs. what you spent; over-plan ones turn red
• Where the money went: a chart of every category and the six biggest ones with their share

WHAT'S INSIDE
Dashboard · Year (5 income lines and 15 categories × 12 months) · Settings (year, currency, monthly plans) · How to use

ANY YEAR
Type the year in Settings: 2027, 2028 and on.

10 LANGUAGES IN ONE FILE
English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी. Pick a language on the dashboard and every label, month and category switches. Arabic comes as a separate right-to-left file.

ANY CURRENCY
Pick yours in Settings: $, €, £, ₹, zł, R$, ₪, ¥ and 27 more. The symbol changes, the amounts stay as you type them.

FOUR LOOKS, ONE PURCHASE
Night (dark), Garden (light), Pastel (soft lavender) and Emerald (deep green): all four are in your download, with the same formulas in every look.

WHAT YOU GET
Instant download: a START HERE guide (PDF) and two ZIP archives (Excel + Arabic, and Apple Numbers) with a folder for every app:
1 Excel: Night, Garden, Pastel and Emerald for Microsoft Excel on Windows and Mac. Every file opens on your empty planner, with a filled Example tab right after it
2 Apple Numbers: the same 4 looks, each with the Example, for Numbers on Mac, iPhone and iPad
3 Arabic: right-to-left files (all 4 looks, each with the Example)
4 App: the same planner as an app for any computer (Chrome, Edge, Safari, Firefox), plus a link to install it on your phone (iPhone, iPad, Android). Works without internet, keeps entries on your device, backup file, transfer to another device with a short series of encrypted QR codes (very large planners use the backup file), and import and export with your Envelo Excel file. Protected by ZeroUpload: the app works on your device, and your entries are never uploaded.
Google Sheets: the START HERE guide has a button for every look. One click makes your own private copy.

WHICH FILE SHOULD I USE?
• Windows PC: the Excel files, or Google Sheets in your browser.
• Mac: Excel for Mac, Apple Numbers, or Google Sheets in Safari or Chrome.
• iPhone, iPad, Android: the Google Sheets app, or Apple Numbers on iPhone and iPad.
In Excel only the cells you type in can be changed. In Google Sheets the formulas are protected: Google warns you before anything changes. In Apple Numbers the Dashboard is locked as a whole.

PLEASE NOTE
• This is a digital download. Nothing will be shipped.
• Decorative illustrations and the laptop backgrounds in the photos were made with AI image tools. Every planner screen you see is the real file.
• For personal use. Please don't resell or share the files.
• January to June are filled in as an example. Clear them and type your own.

Questions? Send us a message on Etsy.