Annual Budget and Net Worth Tracker

$14 · Excel (.xlsx), works in Google Sheets and Numbers

Etsy title

Annual Budget Planner Excel Spreadsheet, Budget and Net Worth Tracker Template, Monthly Budget, Transaction Log, Debt Payoff, Dashboard

Description

Most budget spreadsheets fall apart the moment real life shows up: you stop typing "Actual" numbers by hand, or you never build a net worth picture at all. This one is built around a transaction log, so you type each purchase once and the rest of the workbook fills in on its own.

Type your income sources, expense budgets by category, and savings rate target into Setup. From there, log every purchase and paycheck on Transactions, picking a category from a dropdown. Monthly Budget reads that log automatically and shows Budget versus Actual for every category across all 12 months, with a year-to-date column and a red highlight the moment a category goes over budget for the month.

Net Worth tracks seven asset lines and five liability lines month by month, with net worth and the month-over-month change calculated for you and colored green or red. Debt Payoff compares up to six debts under the avalanche method (highest interest rate first) and the snowball method (smallest balance first), ranking them automatically. The Payoff Schedule tab then runs both plans month by month for up to 30 years with true rollover: when one debt is paid off, its payment moves to the next debt in line, so you see the real debt-free month, the total interest under each strategy, and exactly how much avalanche saves over snowball for your numbers. Dashboard pulls all of it into one page with four charts: income versus expenses, spending by category group, net worth over the year, and savings rate against your target.

Built with AI assistance and formula-checked; formulas are fully open, so every non-input number in this workbook is a live formula you can click on and trace back to its source. Nothing is hidden, locked, or protected. It opens pre-filled with three months of sample transactions for a fictional household earning about $7,800 a month, so you can see exactly how the automation works before you clear it out and enter your own numbers.

Works in Excel, Google Sheets, and LibreOffice Calc. Delivered as a single .xlsx file, instant digital download, no physical product ships.

What is inside

• Start Here: a 5-step guide, a color legend, and a plain-English map of what each tab does
• Setup: up to 6 income sources, up to 25 expense categories grouped into Housing, Transport, Food, Insurance, Debt, Savings and Investing, Personal, and Other, a savings rate target, and starting cash and month
• Monthly Budget: Budget, Actual, and Difference for every category across 12 months, filled in automatically from Transactions, with income, expenses, net, savings rate, a year-to-date column, and red highlighting for any month you went over budget
• Transactions: a 500-row log with a category dropdown; this is the only tab where you type your day-to-day spending
• Net Worth: cash, savings, investments, retirement, home, vehicles, and other assets against mortgage, auto loan, student loans, credit cards, and other liabilities, by month, with net worth and month-over-month change calculated and color-coded
• Debt Payoff: up to 6 debts ranked automatically for the avalanche and snowball strategies, with a per-debt payoff month and a Rollover Plan block showing the debt-free month, total interest, and total paid under each strategy side by side
• Payoff Schedule: the month-by-month rollover behind those numbers, for both strategies across up to 360 months, with each debt's balance, minimum, and payment every month and the extra pool cascading to the next debt as each one is cleared
• Dashboard: a one-page view with 4 charts covering income versus expenses, spending by category group, net worth over the year, and savings rate versus target

Tags

• budget spreadsheet
• budget planner
• net worth tracker
• excel budget
• monthly budget
• debt payoff plan
• household budget
• personal finance
• money tracker
• savings tracker
• finance spreadsheet
• budget template
• net worth calc

Gumroad description

A complete Excel budget and net worth system built around a transaction log: type your income and category budgets into Setup, log your day-to-day spending on Transactions, and Monthly Budget fills in Budget versus Actual for every category and month on its own, red-flagging any category that went over budget. Net Worth tracks seven asset and five liability lines by month with net worth and month-over-month change calculated automatically, Debt Payoff ranks up to six debts under the avalanche and snowball strategies and a Payoff Schedule tab runs both month by month with true rollover, so you get the real debt-free month and total interest for each, and Dashboard pulls it all into one page with four charts. Every non-input number is an open, editable formula, with no macros, plugins, or locked cells, and it opens pre-filled with three months of sample transactions so you can see exactly how it works before entering your own numbers.