Year End Review & New Year Budget Planner Spreadsheet – Excel & Google Sheets

Year-end money review spreadsheet: look back at this year's money in one sitting and turn it into next year's budget.

What it does:

- This Year tab: planned vs actual for up to 18 categories, with over/under, % of plan and a chart.

- Surprises tab: list the costs that caught you off guard; the ones likely to come back become suggested sinking funds per month and per paycheck.

- Funds & Debt tab: savings and debt balances at the start and end of the year, with Up/Down direction and a net change.

- Next Year tab: a 12-month budget where monthly items repeat and yearly bills sit in the month they're due, with income minus spending for each month.

- Goals tab: 1-2 goals with a target date and the amount needed per month.

What you get: one .xlsx file (Excel 2016+/Microsoft 365/Excel for the web, imports into Google Sheets) and a short how-to. Instant digital download.

Who it's for: anyone who wants to start 2027 with a budget based on what actually happened this year.

Free guide: how to do a year-end money review: https://cedarandledger.vercel.app/guides/year-end-money-review/

Good to know:

- All names and amounts in the file are examples. Delete the example rows before you start.

- A spreadsheet, not an app; nothing connects to your bank.

- A planning tool, not financial or tax advice.