Annual Budget & Expense Tracker
Log every expense in one list and see the calendar year by month and by category, with the savings rate worked out for you.
Example data
Names and numbers in this preview are made up. Blank shows the same page with the example taken out.
What you get
- money-annual-budget.xlsx
- The Excel version. No macros.
- Tab: Read me
- The order to fill things in.
- Tab: Settings
- Currency symbol, the year, and an optional savings-rate target.
- Tab: Categories
- 5 income sources, 25 expense categories and 5 savings categories. Rename them to your own.
- Tab: Budget
- Your plan: 12 months across, 35 categories down.
- Tab: Transactions
- One running list for the year: date, description, category from a dropdown, amount. Room for 1,500 rows.
- Tab: Monthly
- Pick a month from the dropdown: planned against actual per category, the difference, bars and a status, and totals for income, expenses, savings moved and left over, with charts.
- Tab: Year
- Twelve months in one table: income, expenses, savings moved, left over, savings rate against your target. Three charts, and actuals by category and month. A warning shows if a transaction falls outside the year.
- Example data
- Léa's January to October 2026, about 260 fictional rows, labelled as example data. Clear it before you start.
Works with
| App or paper | Status | Notes |
|---|---|---|
| Google Sheets (web) | Built for | Make a copy into your Drive, or upload the .xlsx and open it with Sheets. Sheets-safe functions only (SUMIFS, INDEX/MATCH, EDATE). Charts may need redrawing after an .xlsx import. Needs a Google account. |
| Google Sheets app (phone, tablet) | Works, with limits | Good for adding expenses on the go. The Year tab is wide, so it is easier to read on a bigger screen. |
| Excel for Windows | Built for | Excel 2019 or later, or Microsoft 365. No macros. |
| Excel for Mac | Built for | Excel 2019 for Mac or later, or Microsoft 365. |
| GoodNotes | Not for this file | Spreadsheet only. |
| Notability | Not for this file | Spreadsheet only. |
| Other PDF apps | Not for this file | No PDF in this product. |
| Print, A4 | Works, with limits | Print areas are set for A4. The Year tab is wide, so use fit to width. |
| Print, US Letter | Works, with limits | Same as A4: use fit to page. |
| Notion (free plan) | Not for this file | See the Notion templates in Habits and Life admin. |
Built for: we made the file for this app or paper size, using its standard features.
Works, with limits: it opens and you can use it, but something in the note behaves differently.
Not for this file: pick another product if this is how you want to use it.
We build to these apps' standard features. Tell us if something doesn't behave.
App names are trademarks of their owners. Dream Assets Studio isn't affiliated with any of them.
How to start
Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.
On Settings, type the currency symbol and the year. On Categories, rename the slots to your own.
Type your plan on Budget, clear the example rows on Transactions, then add each expense as it happens or paste a week of them at once.
Open Monthly for one month, or Year for all twelve.
Filled in, and blank
Left, the page with made-up example data. Right, the same page with the example taken out.
Questions it answers
- Which month cost the most this year?
- What did groceries come to since January?
- What is my savings rate this month, and over the year?
- How does this month compare with what I planned?
- Is any transaction sitting outside the year by mistake?
Licence, Delivery, Updates and support
- Licence
- Personal use: for you and your household, on your own devices, printed as often as you like for yourselves. No reselling, sharing or using it for work. The licence in full
- Delivery
After payment your download link appears on screen and arrives by email: the template as an Excel .xlsx file. To use it in Google Sheets, upload it to Google Drive and open it with Sheets. The link works for 7 days and 5 uses (a download, or opening a Sheets or Notion link); we'll send a new one if you need it.
- Withdrawal
- If a file doesn't open or doesn't match its description, we'll fix it or refund you. Because the files arrive straight away, you'll be asked at checkout to agree that withdrawal ends once you start a download or open a link. How withdrawal works
- Updates and support
- If we fix something in a file, you get the fixed version free, for as long as we sell the template. Questions go to support@dreamassetsstudio.com or +33 6 31 35 65 29.
Probably not for you if
- You only want to plan one month at a time. The Monthly Budget Sheet is smaller and €7 less.
- You want automatic bank imports. You paste or type amounts in yourself.
- You need a year that starts in a month other than January. This one runs January to December.
- You need it for a business or for tax returns. This is a personal household tracker, licensed for personal use.
- A note on advice
- Dream Assets Studio templates are planning and tracking tools. They are not financial, tax, legal or investment advice, and they don't know your personal situation. Example figures are made up. You're responsible for what you enter and for the decisions you make with the results.
Goes well with
Bundle Money Bundle
Bundle: €29 (items bought separately: €55)
See the bundle
Need your own version? Personalised templates from €79
Questions about this one
Can my year start in September?
No. It covers a calendar year, January to December. If you plan from September, the Monthly Budget Sheet lets you pick any month and a start day.
Can I paste in a bank export?
Yes, into Transactions, as long as the date and amount columns line up. You pick the categories yourself; nothing is guessed.
How is the savings rate worked out?
(Income minus expenses) divided by income. Money you move into a savings category counts as saved, not as an expense.
What happens next year?
Make a fresh copy and change the year on Settings. Keep the old one as your record.
Can two of us use it?
Yes, within your household. In Sheets, share your copy with the other person. That is covered by the personal licence.
Annual Budget & Expense Tracker, €19. One payment, personal licence.
Buy for €19