Annual Budget Spreadsheet | Google Sheets Budget Planner Template | Track Income, Savings, Debt & Monthly Expenses | Digital Financial Planner

Take control of your finances with this easy-to-use Annual Budget Spreadsheet Template for Google Sheets. Perfect for anyone who wants a clean, simple, and effective way to track income, savings, debt, and monthly expenses throughout the year. Whether you’re budgeting for your home, family, or personal goals, this planner helps you see where your money goes — and where you want it to go.

This is a digital product — no physical item will be shipped.
Refunds and returns are accepted within 30 days of purchase.

✨ Key Features

• Track income, savings, debt payments, and spending across 12 months

• Start in any month and reuse the template year after year

• Works only with Google Sheets (not Excel)

• Simple setup and guided instructions for easy use

• Includes a PDF with access link and video walkthrough

• Visual summaries and charts auto-generated for quick insights

• Unlimited categories and transaction entries

• View pending transactions and monitor upcoming bills

• Separate monthly expense tracker tabs for detailed budgeting

📊 18 Tabs Included

Editable Tabs (14):

• Initial Setup

• Annual Planner & Tracker

• 12 Monthly Expense Tracker Tabs (Jan–Dec)

Automated Tabs (4):

• Main Menu

• Pending Transactions

• 12-Month Actual Summary

• Expected vs. Actual Comparison

🧩 How It Works

Step 1: Set your money goals for the year — define income, savings, debt, and expense categories
Step 2: Track your real monthly income, savings, debt payments, and expenses
Step 3: Review auto-generated charts to visualize spending and savings progress
Step 4: When the year ends, make a fresh copy and start again — no repurchase needed

🛠️ What You Will Receive

• 1 PDF file containing:
  ✔️ A secure Google Sheets link to the template
  ✔️ Step-by-step usage instructions
  

💻 Software Required

• A free Google Account is required

• This template does NOT work with Excel

📌 License Information

• Personal Use Only

• You may NOT resell, redistribute, or modify this template for resale

• Not for commercial or public use

💬 Support & Refund Policy

• This is a digital product — no physical item will be shipped

• Refunds and returns are accepted within 30 days of purchase

• If you have questions before or after purchase, feel free to contact me