Description
The Ultimate Budget Planner — Editorial Navy & Gold
A premium budget spreadsheet for Excel and Google Sheets that looks like a luxury magazine and works like an accountant. This navy and gold budget planner spreadsheet does the math so you don’t have to: log a purchase once and your expense totals, weekly spending, charts, 50/30/20 rule and annual overview all update themselves.
Designed as an editorial monthly budget template landscape layout — every feature lives on one wide, beautiful sheet per month, with deep navy header bands, a cream background that fills the entire sheet, brass-gold accents and serif display typography.
Buy once, use forever. This is a reusable annual budget spreadsheet with net worth tracker built in — nothing is year-locked.
What You Get — Instant Digital Download
- PDF with your Google Sheets copy link and full instructions
- CLEAN .xlsx file — categories and budgets prefilled, ready to start (includes a filled EXAMPLE tab)
- DEMO .xlsx file — a full year of realistic sample data to explore
- Lifetime personal use — a commercial license is also available, just message us
17 Tabs Inside
- HOW TO USE — the complete manual, first tab
- JANUARY–DECEMBER — 12 identical, pre-built month tabs
- GOALS — savings goals and debt payoff with progress bars and rings, plus an Emergency Fund card showing % funded and months of essentials covered
- ANNUAL OVERVIEW — your whole year in one table, plus an Income vs Outflow chart and a Net Worth trend line
- TEMPLATE — a spare blank month · EXAMPLE — a filled month for reference
Every Month Tab Includes
- Left to Spend and Days Left header cards
- Cash Flow summary with Budget vs Actual, Actual Breakdown and Income Summary charts
- Income · Bills · Savings · Debt tables with due days and ✓/✗ checkmarks — paid rows turn green, overdue bills turn red automatically
- A luxury finance planner with transaction log at its heart: 43 rows for date, amount, category, account and notes
- Auto-filled Expense table with a LEFT column, Top 5 Expenses, Expense Breakdown chart and Spend by Account
- Sinking Funds (20 rows) · Weekly Breakdown · Month Insights (savings rate, top expense, daily allowance + 10 more)
- Subscription tracker with true yearly cost · Net Worth snapshot (15 asset + 15 liability rows)
- 50/30/20 Rule with Needs/Wants tagging · Month-End Review prompts and Notes
What’s Synced Automatically
- Transaction Log → Expense actuals (type over any cell to override; copy a neighbouring cell to restore)
- Your Expense category names → the log’s dropdown list
- Log → Weekly Breakdown, Spend by Account, Top 5 and the Expense chart
- All tables → Cash Flow, Left to Spend, charts and Month Insights
- 50/30/20 auto rules: all Bills count as Needs, all Savings + Debt fill the 20%
- All 12 months → Annual Overview, live
What’s Manual — By Design
Subscriptions, Sinking Funds, Net Worth and the GOALS tab are independent trackers you update by hand. They never change your cash-flow numbers, so your budget stays honest.
Good to Know
- 100% formula-based — no macros, nothing to enable
- Works in Google Sheets, Excel desktop, Excel for the web and LibreOffice
- Checkmark dropdowns everywhere, with an optional one-time upgrade to native checkboxes
- Change currency in seconds via number formatting
- Each month prints as three clean landscape pages
- Sample name “Sophia” and all figures are placeholders — make it yours
Also available in Cute Pastel and Dark Mode — visit our shop.
Digital product — nothing ships. All sales final. Commercial license available at checkout.
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