Monthly & Annual Budget

Stay on top of your finances with our Monthly & Annual Budget Spreadsheet – for Google Sheets & Microsoft Excel

This simple, beginner-friendly budgeting tool helps you reduce money stress, track spending, and get a clear picture of your financial health — all in one place.

💰 Track income, expenses, savings & more in one clean dashboard

📊 Automatically categorizes spending for clarity

📅 Set monthly budgets & track your progress over 12 months

🔢 No formulas needed – just enter your numbers

📈 Perfect for personal, family, or household budgets

📂 Instant access in Google Sheets & Excel

📲 Use on desktop, tablet, or phone

🎥 Includes step-by-step guide + video tutorial

WHAT’S INSIDE:

✔️ Monthly Budget Tabs (12 months)

✔️ Smart Annual Dashboard

✔️ Step-by-Step Instructions + Video Guide

HOW IT WORKS:

1. Purchase the spreadsheet
2. Download the file
3. Open in Google Sheets or Excel
4. Start budgeting right away

Please note:

• Digital download only – no physical product

• Compatible with Google Sheets and Microsoft Excel

• Not for resale or redistribution

• No refunds due to the digital nature

• For informational purposes only – not financial or legal advice

📩 Questions before purchasing? Reach out anytime at productivepenguinco@gmail.com — I'm happy to help!