Annual Budget Spreadsheet

Plan the whole year at a glance. This is the year-on-one-page budget — categories run down the side, all twelve months (January to December) run across the top, and an Annual Total column adds up each row's twelve months automatically. Two clean sections, Income then Expenses, each with its own section total, so you can read your annual cash flow in seconds. The Dashboard does the math: total annual income, total annual expenses, net (what you keep), average monthly spend, your savings rate as a percentage, and your single biggest expense category called out by name. It comes filled with realistic sample numbers so you can see exactly how it works, then overwrite them with your own — add, rename or remove category rows and the section totals follow. Ideal for households, families, freelancers and anyone who wants the big picture instead of month-by-month tunnel vision. No formulas to write, no setup — works in Excel 2016+, Google Sheets, LibreOffice and Numbers, with no plugins.