Google Sheets + Excel annual budget
Instant download · Pay once, no subscription · 365-day money-back guarantee
$11.49one-time payment
Special price ends in 15:00
Tracking is not the same as knowing
A balance in one app, a bill in your inbox, a savings goal in a note. Most people can check their balance and still cannot say where last month went.
It is not a discipline problem. Your money never had one home.
The One-Book Year
Income, bills, spending, debt, savings and the bigger picture live in one file, so each month feeds the year. You do not need to start with every tool: start with this month and add the rest when you need it.
SetupMonthYear
Open it in Excel or import it into Google Sheets. Pick USD, EUR, GBP or CAD and your year on the Start Here tab.
Enter your income, bills and spending. No bank login and no automatic bank sync: you type your own numbers.
Open the monthly dashboard, then the annual totals. Book your next 10-minute check-in.
A look inside
Direct cell previews from the actual workbook with illustrative example inputs. “fx” marks formulas that recalculate in your spreadsheet. Calculators use your assumptions, not forecasts.
What is included
One page per month with income, fixed bills and variable spending, planned vs actual, and the annual view that adds them up.
See what is due and when, set an emergency-fund target in months, and plan for the yearly bills that blow up a month.
Compare debt payoff approaches, test a home purchase against your numbers and watch your net worth move.
Pick your currency (USD, EUR, GBP or CAD) and your year. It works in Google Sheets and Excel; a Google account or Excel is all you need.
What to track and why, and the step-by-step route from purchase to your month on screen.
Six calculators that run in your browser: emergency fund, debt payoff, home affordability, net worth, loans and app-vs-workbook cost.
A task tracker (Sheets + Excel) and a surprise PDF that unlocks the day after you buy.
About an hour is a setup target. Your pace depends on having your numbers ready.
Open the file in Excel or import it into Google Sheets. Follow the First-Hour Money Setup PDF.
Income, bills and what you spent. Replace the example inputs with yours.
Check your monthly dashboard and annual totals, then schedule your next check-in.
Educational organizing tools: the workbook organizes the numbers you enter.
What customers say
★★★★★
Jessica
“This is my 3rd budget worksheet I have purchased and by far my favorite! It is easy to use and if you have a problem the creator is quick to respond and knowledgeable about their product! I had an issue (operator error) and they knew instantly what I messed up and it was fixed in minutes! Wonder product!!!”
★★★★★
Kristin
“Excellent and has everything you need”
★★★★★
Leona
“easy to use and download”
★★★★★
Laura
“It was what I expected”
Tessa · Creator of the Money Year Workbook
It was the last week of December, the laptop was open on the kitchen table, and I was scrolling my card statement with a cold coffee. Three budgeting apps sat on my phone, all with charges on that statement, none opened since spring.
Each one had looked like the fix. A new app, a fresh start, a little chart. I linked my accounts, got a few good weeks, then the notifications turned into noise and I stopped checking. I paid for the privilege and still could not tell you where the year had gone.
Then I noticed I never missed the apps. I missed the answer. It lived behind a login and a subscription, not in front of me. I did not need a smarter app. I needed my numbers in a place I owned.
So I put the whole year in one workbook: every month, the bills, the savings, the debt, the big picture, all connected. One file, one purchase, nothing to log into. I called it The One-Book Year, and it was the first money thing I actually kept opening. This is the full version, set up so your first month can be on screen in about an hour.
Tessa
Your order
Your whole year in one connected workbook, Google Sheets and Excel, 4 currencies.
Due dates, a safety-net target and yearly bills planned ahead.
Debt, growth, a home test and your net worth in one place.
Six calculators in your browser. Works on your phone.
Total value $94.00
Bonuses
Bonus 01
Beginner’s Guide to Budgeting. A PDF guide that explains what to track and why, with no finance background needed.
Value $9Included
Bonus 02
First-Hour Money Setup. The step-by-step route from purchase to your first month on screen, built for people who do not use spreadsheets.
Value $7Included
Bonus 03
Life Task Tracker. A free gift in Sheets and Excel to keep your next tasks and check-ins in view.
Value $20Included
Bonus 04
Annual Money Review. A surprise gift PDF that unlocks the day after you buy: 12 questions and a closing sheet for your yearly check-in.
Value $9Included
Special price ends in 15:00
Total value $94.00
$11.49
one-time payment · no subscription
Get the Money Year Workbook — $11.49 →🔒 Secure checkout
365-day money-back guarantee · one payment, no subscription · instant download
You have 365 days to put the workbook to work. If it does not earn its place on your computer, send one email to [email protected] and we refund you in full. There is no setup or usage requirement and no forms to fill in.
You keep your files.
No. The formulas are built. Follow the First-Hour Money Setup PDF and replace the example inputs with yours. Start with one month.
Excel, or a Google account to import the file into Google Sheets. A computer is recommended for the first setup. The included web app works in any browser.
No. There is no bank login and no automatic sync. You enter your own numbers and keep your own copy.
You are paying for the connected annual structure, the setup guides and the tools listed above. Check the real tab previews on this page to see whether it fits your routine.
No. $11.49 is a single payment. At checkout you will see two optional add-ons, both your choice: a Personal Financial Statement & Money Vault for $2.99 and a Loan & Credit Card Payoff Planner for $3.99.
USD, EUR, GBP and CAD. You pick one on the Start Here tab.
The workbook (annual dashboard, annual totals, 12 monthly dashboards, bill calendar, emergency fund, sinking funds, debt payoff, investment growth, home affordability and net worth), the Beginner’s Guide to Budgeting, the First-Hour Money Setup, the Money Year web app and two gifts: the Life Task Tracker and the Annual Money Review.
No. It organizes the numbers you enter. Example amounts and calculator scenarios are illustrative, not advice or forecasts.
Yes, 365 days. Email [email protected] within 365 days of purchase for a full refund. You keep your files.
No. Everything is a digital file you get instantly after payment on your access page and by email.
P.S.
Option 1: keep paying for budgeting apps you stop opening, and keep wondering where the year went.
Option 2: put your whole year in one workbook you own, with a 365-day money-back guarantee. It is $11.49, once. Download it, set up your first month, and see where the money goes. If it is not for you, we refund you in full.
Educational organizing tools, not financial advice. Example amounts in previews are illustrative and do not represent customer results. Digital files only; nothing is shipped. Money Year Workbook is an independent product and is not affiliated with, endorsed by or sponsored by Google or Microsoft; all trademarks belong to their owners.