Ultimate Budget Planner – Excel & Google Sheets

Know exactly where your money goes, and finally see it grow.

One simple spreadsheet for your whole financial life: your budget, bills, savings goals, debt payoff and net worth. Enter your numbers once and everything else updates on its own. No formulas to write, no apps, no subscriptions.

What's inside

• Budget Dashboard: pick any month and see income, spending, savings rate and every category against its budget, with color-coded progress bars.
• Transaction log: pick a category from the dropdown and the planner knows whether it's income, spending, a saving or a debt payment.
• Recurring bills: list rent, phone and subscriptions once, tick them when they're paid, and see what's still due this month.
• Accounts: live balances for your checking, savings, credit cards and cash, plus month-end balances.
• Savings goals: track every goal with a progress bar and see exactly how much to save each month to hit your date.
• Debt payoff: the snowball order, months left and your estimated debt-free date.
• Net worth: what you own minus what you owe, month by month, with a chart.
• Annual overview: all 12 months side by side, your best saving month and savings over the year.

Made to be easy

• Works in Microsoft Excel and Google Sheets
• Start any month of the year
• Use any currency ($, €, £, A$…)
• Clean, modern design with a step-by-step "Start Here" guide
• Includes a filled-in example version so you can see how it works

Free bonus

Monthly Budget Tracker: a lighter version for when you just want a simple monthly budget.

How you get it

This is a digital download. Nothing is shipped. Right after checkout you'll get a download link by email. Open the file in Excel, or upload it to Google Drive and open it with Google Sheets.

For personal use only. Not financial advice.