Free Annual Budget Template
See your whole year in one view — 12 months of income and expenses, an irregular-expense calendar, savings-goal planning, and a year-end summary. Free for Excel or Google Sheets.
Download for Excel (.xlsx)Works in Google Sheets too — open Google Sheets and choose File → Import.
What's inside
- 12-Month Income grid across every source, with automatic per-row and yearly totals
- 12-Month Expense grid you can adjust month by month for seasonal costs
- Irregular Expense Calendar that converts annual costs into a monthly set-aside
- Savings Goals tracker that calculates what to save each month to hit each goal
- Year-End Summary with total income, expenses, net saved, and effective savings rate
- Works in Excel and Google Sheets — free, no email required
How to use it
- 1Download the template (or open it in Google Sheets via File → Import).
- 2Enter your projected income and expenses across all 12 months.
- 3List annual and semi-annual costs in the Irregular Expense Calendar to get a monthly set-aside.
- 4Set your yearly savings goals, then update actuals each month and watch the Year-End Summary.
Skip the manual data entry
ReceiptSync scans your receipts and pushes the data straight into a spreadsheet like this — no typing. Snap a photo and it's logged and categorized.
A simple spreadsheet is the most reliable way to take control of your money — you own the data, there's no subscription, and it works offline. This template is pre-built so you can start today instead of designing tabs and formulas from scratch. For a full walkthrough and tips, see the annual budgeting guide and organizing your finances for tax season.
Frequently asked questions
Is the annual budget template really free?
Yes — download it directly, no email signup or payment required.
When should I set up an annual budget?
December or early January is ideal, before the year begins. But setting one up mid-year is still far better than none — it gives you a clear picture of the remaining months and helps you finish the year on track.
How is this different from a monthly budget?
The annual template is for planning and goal-setting — spotting seasonal patterns and irregular costs across the whole year. Most people use it alongside a monthly budget, which handles day-to-day tracking.
Can I automate the expense tracking?
Yes — ReceiptSync scans your receipts throughout the month and syncs the data to a spreadsheet, so you can drop each month's totals into the annual view without manual tallying.