Complete Annual Budget Spreadsheet | Excel & Google Sheets Budget Planner | Monthly Expense Tracker, Bill, Debt, Savings & Net Worth

Manage your personal or household finances with the AryanArts Complete Annual Budget Planner - an original 26-sheet budgeting system designed for Microsoft Excel and compatible with Google Sheets import.

Start by choosing your year, currency, categories, accounts and household names. Enter annual targets, record transactions in one central log and watch your monthly summaries and annual dashboard update automatically. Separate tools help you stay organized with bills, recurring payments, sinking funds, debt repayment, net worth, investments and a no-spend challenge.

WHAT IS INCLUDED
- Complete Excel budget workbook
- 26 interconnected worksheets
- Annual financial dashboard with chart
- Annual planning sheet
- 12 monthly planned-versus-actual summaries
- Transaction log with 1,000 entry rows
- Recurring income and expense tracker
- Bill tracker
- Account and credit-card reconciliation
- Sinking-fund planner
- Debt-payoff calculator
- Net-worth tracker
- Investment forecast
- 50/30/20 budget check
- No-spend challenge
- Detailed user guide
- Google Sheets import guide
- Personal-use licence

KEY FEATURES
- Works with any currency code
- Customizable income and expense categories
- Customizable account names
- Separate transaction types for income, expenses, transfers and credit-card payments
- Positive-amount entry system for easier daily use
- Automated monthly and annual totals
- Colour-coded editable cells
- Designed for individuals, couples and households

HOW IT WORKS
1. Purchase and download the ZIP file.
2. Read the included quick-start guide.
3. Open the Excel workbook or import it into Google Sheets.
4. Customize the Lists sheet.
5. Enter your plan and begin recording transactions.

COMPATIBILITY
Designed for Microsoft Excel 365 desktop. Core functions can be imported into Google Sheets; minor visual differences may occur. Apple Numbers and older spreadsheet software are not supported. Basic spreadsheet knowledge is helpful.

PLEASE NOTE
This is a digital download. No physical product will be shipped. The template does not connect to banks and does not provide financial or investment advice. Due to the nature of digital products, state your website's applicable digital-download refund policy clearly before purchase.

FAQ
Q: Can I change the currency?
A: Yes. Enter your preferred currency code on the Lists sheet.

Q: Can couples use it together?
A: Yes. Two household names can be added, and every transaction can be assigned to a person.

Q: Does it track credit-card payments?
A: Yes. Purchases and card payments use separate transaction types to help avoid double-counting expenses.

Q: Does it connect to my bank?
A: No. Transactions are entered manually for privacy and control.

Q: Can I use it in Google Sheets?
A: Yes. A step-by-step import guide is included. Minor formatting differences may occur.

Q: Can I resell or share the files?
A: No. Customer purchases are licensed for personal or household use only.