Ultimate Budget Planner 2026 - Budget vs Actual, Savings Goals & Money Dashboard (Excel + Google Sheets)

Know exactly where your money goes - without becoming a spreadsheet person.

What's inside (6 tabs):

• Dashboard - income, spending, net saved and savings rate, month by month with visual bars
• Transactions - one simple log for everything. Dropdowns for type and category, 1,000 rows ready
• Monthly Budget - pick any month, instantly see Planned vs Actual vs What's Left per category
• Savings Goals - up to 12 goals with automatic progress % and amounts to go
• Settings - customize every category to your life
• Start Here - 5-step setup, 5 minutes

Why it works when apps don't:

• No subscription, no bank connection, no privacy worries - your data stays in your file
• Works in Excel AND Google Sheets (use it on your phone via the Sheets app)
• Realistic sample data included so you're never staring at an empty grid
• Buy once, duplicate the file every year

Who it's for: anyone who wants to stop wondering where the paycheck went - students, couples, freelancers, families.

Instant digital download.