Annual Budget Spreadsheet — Excel and Google Sheets

BUDGET TRACKERKnow exactly where your money goes — every month.The Budget Tracker is a focused, no-frills budgeting spreadsheet built for people who want to track income, log expenses, and see their budget vs actual in one clean file. Enter your paychecks and spending — the dashboard calculates everything automatically.Works in Microsoft Excel 365 and Google Sheets (free).WHAT'S INSIDE — 4 CONNECTED TABSSETTINGS — Fill this in once. Your currency, dates, pay frequency, and savings target flow into every other tab automatically.INCOME — Log each paycheck with your gross amount, federal tax withheld, and 401k deferral. Net pay calculates automatically. Supports salary, hourly, freelance, and bonus income. 100 rows included.EXPENSES — Categorized spending ledger with 18 dropdown categories so your data stays consistent. Mark expenses as recurring to flag them automatically. 200 rows included.BUDGET DASHBOARD — Your automated financial overview. Shows: Total income, total expenses, net cash flow, and savings rate at the top Monthly income vs expenses table — all 12 months, with actuals pulled automatically Budget vs actual for 15 spending categories — set your monthly target in the gold cell, actual spending pulls in from your Expenses tab, variance shows instantly Annual budget column calculates automatically from your monthly targets HOW IT WORKS Download and open in Excel or Google Sheets Fill in SETTINGS — takes about 2 minutes Log income and expenses in the gold-highlighted cells The Budget Dashboard updates automatically — no formulas to write The only cells you ever type into are highlighted in gold. Everything else calculates itself.WHAT YOU GET IN YOUR DOWNLOAD✓ Excel file (.xlsx) — formula cells locked, gold input cells open✓ Google Sheets version — shared link, make your own copy to edit✓ Start Here PDF — setup guide, get running in under 5 minutes✓ User Guide PDF — full tab-by-tab walkthrough✓ License Agreement — personal use, one userGOOD TO KNOW→ Works in Microsoft Excel 365 or Excel 2019+. Google Sheets is free and fully supported.→ Formula cells are locked in Excel. Unlock password is in your Start Here guide.→ Reusable every year — duplicate, reset the dates, and go. One purchase, no subscription.→ Personal license — one user per purchase.ALSO IN THE TERMINALGRID SERIESLooking for more? The Young Professional Finance Terminal (LITE & PREMIUM) includes this budgeting system plus Bills, Goals, Net Worth, Transactions, and for PREMIUM — Debt Payoff, Tax Estimator, City Life Planner, and Reports. Check the other listings in the shop.Questions before you buy? Message me — I reply within 2 business days.

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