Real screenshots — example data included in the file so you can see how it works. Click any image to enlarge.
Google Sheets + Excel
The Honest Budget Spreadsheet
This is a one-file annual budget template for Google Sheets and Excel, built for people who want a budget they'll still be updating in November. It's for anyone who has tried a 40-tab spreadsheet or a $15/month app and quietly stopped.
Last updated: August 2026
The simple one — deliberately.
One spreadsheet. Your whole year. No 40 tabs.
$19one-time
The flagship annual budget tracker. Plan the month, watch the dashboard update itself, and stop wondering where the money went.
Budgeting tools, not financial advice — general information only. See Terms.
- Stripe-secured checkout
- Instant download
- 14-day money-back
- A human answers email
Or get everything — The Everything Bundle, $27 (save $8)
- Instant download after payment
- 14-day money-back guarantee
What's inside
- Monthly plan-vs-actual budget — every purchase gets one line
- Automatic dashboard — spending, saving rate, category totals
- Bill calendar so nothing sneaks up on you
- Debt payoff tracker built in
- Savings goals with progress bars
- 12 monthly tabs plus a year overview
You get
- — Google Sheets version (one-click copy)
- — Excel .xlsx version
- — Quick-start guide (5 minutes, honestly)
- — Free updates to this edition
Simple vs Complete
| What you get | Simple $19 | Complete $29 |
|---|---|---|
| 12 months + dashboard | ✓ | ✓ |
| Transaction log | ✓ | ✓ |
| Bills | ✓ | ✓ |
| Debt | ✓ | ✓ |
| Savings goals | ✓ | ✓ |
| Sinking funds | — | ✓ |
| Net worth + growth projection | — | ✓ |
| % of income | — | ✓ |
Not sure? Start Simple — upgrading later costs the difference, just email us.