Budget 2026 Spreadsheet | Annual Budget Planner | Excel & Google Sheets | Debt, Savings & Net Worth Tracker

Finally, a budget that actually works — 11 powerful tabs, fully automated, built for real life.

Are you tired of not knowing where your money goes every month? This all-in-one budget spreadsheet for 2026 gives you complete control over your income, expenses, savings, debt, and investments — all in one beautifully organized file.

Works in Microsoft Excel AND Google Sheets. No subscriptions. No apps. Just download, open, and start budgeting today.

📋 WHAT'S INSIDE — 11 Tabs That Cover Everything:

📊 Visual Summary Dashboard See your entire financial life at a glance — monthly income vs. expenses, spending by category, savings rate, and bank account balances, all displayed in clean charts and graphs. No more digging through rows of numbers.

⚙️ Setup Tab Customize the spreadsheet to fit YOUR life in minutes. Enter your income sources, expense categories, bills, savings goals, debt accounts, and investments — up to 15 categories each. Set your currency (works in CAD, USD, and more).

📅 Annual Dashboard Track your full year at once — total income, total spending, total saved, and total invested. See exactly how each month compares and where you're winning or falling behind.

🗓️ Monthly Dashboard A detailed month-by-month breakdown automatically calculated from your transactions. See your budget vs. actual spending for every category, every month.

💳 Transaction Tracker Log every dollar — income, bills, expenses, savings, investments, and debt payments — in one simple table. Supports multiple bank accounts and multiple currencies with automatic conversion.

🏦 Accounts Dashboard Track all your bank accounts in one place — chequing, savings, RRSP, TFSA, investments, and emergency fund. See your total cash position at any time.

💰 Savings & Sinking Funds Tracker Set up savings goals and sinking funds for holidays, vacations, a home down payment, a wedding, your car — and track your progress toward each one automatically.

📉 Debt Payoff Tracker Enter your credit cards, car loans, personal loans, and student debt. See your debt-free date calculated automatically using the snowball or avalanche method. Watching that number shrink is incredibly motivating.

📈 Net Worth Tracker Update your assets and liabilities monthly and watch your net worth grow over time. One of the most powerful motivators for staying on track financially.

🗓️ Bill Calendar Never miss a payment again. All your bills and debt due dates are displayed in a visual calendar so you can see exactly what's coming and when.

📊 Budget Trackers Detailed breakdowns for debt, savings, investments, and bills — all auto-calculated from your transaction data.

✅ WHY THEY LOVE THIS SPREADSHEET:

• ✔️ Everything in one file — no more switching between apps
• ✔️ Fully automated — dashboards update the moment you log a transaction
• ✔️ Color-coded and easy to read — green means you're winning, red means adjust
• ✔️ Works for any income type — salary, side hustle, freelance, rental income
• ✔️ Customizable categories — fits any lifestyle or budget size
• ✔️ Supports multiple bank accounts and multiple currencies
• ✔️ Instant digital download — start today, not someday

📥 HOW IT WORKS:

1. Download your file instantly after purchase
2. Open in Google Sheets (File → Make a Copy) or Microsoft Excel
3. Go to the Setup tab and enter your categories and budget amounts
4. Start logging transactions — your dashboards update automatically
5. Check in weekly and watch your financial picture get clearer every day

🔍 PERFECT FOR:

Budget beginners | People paying off debt | Savers building an emergency fund | Anyone living paycheck to paycheck who's ready to change that | Couples managing shared finances | Side hustlers tracking multiple income streams | Anyone who's tried budgeting apps and wants something they actually own and control

📁 FILE DETAILS:

• Format: .xlsx (Microsoft Excel & Google Sheets compatible)
• Instant digital download — no waiting, no shipping
• One-time purchase — yours to keep and use for life
• © EvaExcels.com — personal use only