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▶Budget Planner
Every dollar, accounted for.
Run your whole financial year from one simple sheet. Monthly, paycheck and annual budgets, bill tracker, debt payoff, sinking funds and net worth — all in one file that updates itself as you type, in both Excel and Google Sheets.
- 11 connected tabs — monthly, paycheck and annual budgets in one
- Debt payoff with snowball + avalanche order and a payoff date
- Bill tracker, sinking funds & net worth built in
- Works in both Excel and Google Sheets
- Comes in Colorful, Light & Dark — all three included
Overview
Budget your whole year in one simple sheet
Most budget templates are a single bare month grid. This is a complete money system: budget the year, track every dollar, plan by paycheck, crush debt, save for the big stuff, and watch your net worth climb — all in one file that updates itself as you type.
Type only in the highlighted cells and the Dashboard, budgets and reports build themselves. It runs in both Excel and Google Sheets, so it works on whatever you already use.
It also comes in three looks — Colorful, Light and Dark. Use the color switch on this page to preview each one; every purchase includes all three, so you can pick the style that fits you.
What's Included
11 connected tabs that do the math for you
- The Excel workbook (.xlsx) in all three colors — Colorful, Light & Dark — each also opens in Google Sheets
- A 2-page step-by-step Quick-Start guide (PDF)
- A link to a video walkthrough on YouTube
- Free lifetime updates & friendly support — message anytime
Key Benefits
Why this one, not a free template
Annual + monthly + paycheck + debt + savings + net worth — not just a tracker.
Type in the highlighted cells only; the dashboard, budgets and reports build themselves.
Works in both, with no monthly fee and nothing extra to buy.
Beautiful built-in charts so you actually see where your money goes.
Snowball/avalanche payoff and sinking funds without any extra tools.
Colorful, Light or Dark — all three included in every purchase.
Who It's For
Built for real people, not accountants
- Couples and households managing shared money
- Biweekly earners who plan by the paycheck
- Anyone paying down debt or saving for big goals
- First-time budgeters who want it done for them — no formulas to build, ever
How It Works
Three steps to get going
Open the .xlsx in Excel, or upload it to Google Drive and open with Google Sheets.
On the Setup tab, set your name, budget year and make the categories your own.
Enter your numbers — the Dashboard, budgets and reports build themselves.
Why It's Different
A money system, not just a spreadsheet
Most budgeting tools either overwhelm you with features or leave you with too little structure to actually stay on top of your money. This is a complete system — annual, monthly and paycheck budgets plus debt payoff, sinking funds and net worth, all connected in one clean, customizable place.
The layout is intuitive and protected where it counts to prevent accidental formula breaks — but fully editable everywhere you need it. It's made for real life: for families and individuals juggling bills, savings and everything in between.
Delivery & Compatibility
Instant, and works with what you use
As soon as your order is complete you'll get instant access to download the spreadsheet, plus a copy by email. Prefer Google Sheets for real-time updates and dropdowns? It's fully optimized. More comfortable in Excel? It works just as well.
Built and tested in the latest Excel (Office 365). On Mac we recommend the Google Sheets version — the template is not compatible with Apple Numbers. Available in English. The template is delivered blank; the images and video show sample data to demonstrate how it looks once filled in.
FAQ
Questions, answered
What formats does it come in?
Both Excel (.xlsx) and Google Sheets. If you're on a Mac, note that Apple Numbers isn't supported — use Excel for Mac or the Google Sheets version.
Does it come in different colors?
Yes — every purchase includes three color versions: Colorful, Light and Dark. Preview them with the color switch near the top of the page, and you'll receive all three in your download (for both Excel and Google Sheets).
Do I need a subscription or special software?
No. It's a one-time purchase with no subscription. It works in Excel or in free Google Sheets — nothing else to install.
How do I receive it after purchase?
Instantly. After secure Stripe checkout you're taken to a download page, and you also receive an email with your download link.
Are there instructions or a tutorial?
Yes — a Quick-Start PDF is included, plus a video walkthrough on our YouTube channel. You can message us anytime with questions.
Do I have to build any formulas?
Never. Type only in the highlighted cells; every dashboard, report and chart calculates itself.
Can I resell or use it commercially?
It's licensed for personal use only. Reselling, sharing or redistributing the file isn't permitted. See our Terms for details.
What's your refund policy?
Because it's an instant digital download, please review the details above before buying. Full details are on our Refunds page.
For personal use only. This spreadsheet is for informational purposes and is not financial, tax or legal advice. © 2026 NicheToolkitHub — no resale or redistribution.
