Christmas Budget Planner Spreadsheet 2026

The only thing you have to type is your budget. This Christmas budget planner does the rest: it splits your budget across categories, gives everyone on your list a fair share, marks a gift done when you type what you paid, and builds your shopping list for you.

WHAT YOU GET

• Dashboard: spent, left to spend, budget used, gifts done and money saved on deals, with a budget-vs-spent chart and a progress bar for every category
• Gift List: a name and an idea per person. Everyone gets an even share of your gift budget automatically, or set your own limit
• Shopping List that builds itself: every gift not bought yet, grouped by store, with how much to spend. Open it on your phone at the store, or print it
• Budget: type your total once and it's split across 8 categories (gifts, food & hosting, travel, decorations, events, cards & wrapping, giving, other). Change any % you like
• Spending: log receipts, or just keep one running total per category
• Deals tracker for Black Friday and Cyber Monday
• Checks in plain words: over budget, which categories are over, how many gifts are still to buy

HOW IT WORKS

1. Type your total budget.

2. Add names and gift ideas.

3. Type what you paid as you shop. Everything updates.

FORMAT

Excel (.xlsx). Works in Google Sheets (free, including the Sheets phone app) and Microsoft Excel. Opens with sample data so you can see it working; clear it in seconds. Formulas are protected (no password), so nothing breaks while you type. Instant download.

WHO MADE THIS

Built by someone who develops pricing and financial models for multi-million-dollar enterprise contracts for a living. Same discipline, made simple for your holidays.

GOOD TO KNOW

• Digital download: nothing is shipped.
• For personal use. Please don't resell or share the file.
• For planning only, not financial advice.
• Questions? Message the shop or email tidyrate@outlook.com.