The budget planner that works in BOTH Google Sheets and desktop Excel — log one purchase, and your dashboard, your charts and your whole year update themselves.
Most budget spreadsheets are built for one app. Plenty of "Excel" budget templates quietly need a Microsoft 365 subscription, and break the moment you open them in Excel 2016 or 2019. This one was engineered for both from the start and tested end to end in each before this listing went up. You get both versions.
Set it up in two minutes: your dates, your starting balance, your currency, your name. Then type your plan once. From there, every purchase you log on the Expense Log fills in your spending actuals, your LEFT column, your safe-per-day pace, the budget-vs-actual chart, the where-it-goes donut and your Year at a Glance.
It is undated, so it fits how you actually get paid — a calendar month, a week, a fortnight, or payday to payday. New period? Right-click the Budget tab, duplicate it, change two dates. The copy keeps working, because every tab carries its own maths.
★ WHY THIS ONE
✓ Works in Google Sheets AND Excel 2016 or newer — no Microsoft 365 subscription needed ✓ Undated and reusable — any month, any year, any pay cycle, forever ✓ Real charts built into the file — budget vs actual bars and a where-it-goes donut ✓ Log once, everything updates — you never copy a number between tabs ✓ Any currency — one dropdown changes every money label on all five tabs ✓ Bills glow gold three days before they are due, and turn mint when you tick them off ✓ Categories are yours — rename them once and every dropdown follows ✓ Starter categories already typed in, so it works from minute one ✓ A filled-in example copy included, so you never face a blank page ✓ Protected formulas — the cells you type in are colour-coded, the maths cannot break
★ THE FIVE TABS
✓ START HERE — an illustrated manual inside the file: three setup steps with pictures, the colour system, a good week with the planner, and a nine-question FAQ
✓ BUDGET — your dashboard. Days left, left to spend with a safe-per-day pace, spent so far. Cash flow with plan, actual and a VS PLAN column. Budget-vs-actual bars and a where-it-goes donut. Income, bills, spending, savings and debt tables — bills tick off, spending fills itself from your log
✓ EXPENSE LOG — 490 rows, a year of daily logging. Date, amount, category, note. A WHERE IT GOES breakdown with percentages and share bars that you can filter to any date range
✓ GOALS — six savings cards and four debt cards with live progress bars. One shared log for deposits and extra payments; the card you pick decides which side it counts for. Sinking funds work here too
✓ YEAR AT A GLANCE — twelve months that build themselves from your logs. Month bars, spending by category for the whole year, best month, and a milestones panel. Type income and bills once a month and your year writes itself
★ WHAT YOU WILL RECEIVE
★ HOW IT WORKS
Open the PDF and pick your version — Google Sheets or Excel
Fill in the yellow SETUP box: your dates, starting balance, currency and name
Type your plan, then log as you spend. Everything else fills itself in.
!! PLEASE NOTE !!
Instant digital download — nothing is shipped
For the Google Sheets version you will need a free Google account
The Excel version needs Excel 2016 or newer, Excel for Mac, or Microsoft 365
The two versions are separate files and do not sync with each other — pick the one that suits you
This is a spreadsheet template, not an app or a printable planner
HOW TO DOWNLOAD YOUR FILES
TERMS
Personal use only. Please do not resell, share, redistribute or reproduce this file or its link, in whole or in part, modified or unmodified.
This planner is an organisational tool. It does not provide financial, tax or legal advice, and no advice is implied by any figure it calculates. Please make your own decisions and speak to a qualified professional where it matters.
Every formula and calculation has been tested carefully, but you remain responsible for checking that the numbers in your own copy are correct before relying on them.
© 2026 Xclusivetemplate. All rights reserved.
Product safety: Digital download for personal use. No physical item is shipped. Editable template — you can personalise the parts described above after purchase. Intended for adult use. Not a toy and not intended for children.
Instant download. Commercial use on physical products — see the licence. Questions? hello@xclusivetemplate.com
