The ultimate budget — Spreadsheet

Take full control of your finances with the Ultimate Budget Planner — an all-in-one Google Sheets & Excel template designed to track your income, expenses, savings, and debt in one place. Automatically calculated formulas update your monthly and yearly overview as you enter your numbers, so you always know exactly where your money goes. Perfect for individuals, couples, or families who want a simple, no-fuss way to finally stick to a budget.

This spreadsheet includes the following tabs:
📘 Instructions
💻 Easy setup
🔁 Recurring
💷 Payment tracker
💵 Variable transactions
🏦 Bank Accounts
📅 Bill Calendar
💰 12 monthly budget tabs
🧑‍💼 Budget by paycheck
📊 Annual dashboard
🏷️ 50/30/20 dashboard
🧑‍🤝‍🧑 Distribution dashboard
🎯 Sinking funds
🧾 Debt Payoff Calculator
📈 Net worth tracker
💴 Investment forecast
🗓️ No spend days challenge

What’s needed:
• A free Google account for access to Google Sheets, or a Microsoft 365 licence for Excel.
• A device of your choice
• To know how the Spreadsheets works, or learn the basic functions.

Rules & Notes:
• This is a digital product. You won’t receive any physical product with this purchase.
• You can use this spreadsheet on mobile, tablet, or desktop. These types of sheets always work best on a computer, though.
• It is not useable on another app than Google Sheets Or Microsoft Excel 365.
• You can’t share this template or resell it. It is for personal use only.
• This template is in English.

Steps to follow to use it:

1. Complete the purchase.
2. You will receive a PDF with the spreadsheet template and instructions to copy it.
3. Make a copy of the spreadsheet in your own Google account (Google sheets), or on your computer (Excel).
4. Change the title.
5. Use it!