Annual & Monthly Budget

Q: Do I need to pay a monthly subscription?

Nope! No subscriptions, no hidden fees—just a one-time purchase and it’s yours forever. Access your templates anytime, no extra costs!

Q: Is this spreadsheet beginner-friendly?

Absolutely! Our templates are designed to be super easy to use , with clear instructions to guide you every step of the way. Plus, you’ll find an internal guide and handy tips inside to make things even smoother!

Q: Can I use the spreadsheet on multiple devices?

Yes! Once downloaded, you can access it on any device that supports Google Sheets and Excel (Excel is available only for templates that include an Excel version). Manage everything from your laptop, tablet, or phone—for free!

Why Choose This Template

Most budget trackers are cluttered or too basic — this one is different. It’s designed to give you clarity without overwhelm, combining a clean interface with advanced tools like debt repayment strategies, net worth tracking, and sinking funds. Whether you’re managing personal finances, a family budget, or planning for the year ahead, this template keeps everything organized in one calm, easy-to-use system.

What’s Included

The template itself includes 23 dedicated tabs:

Setup Page – Customize categories (up to 30 per main group), set your starting balances, and personalize your template
Transactions Database – Log all income, expenses, bills, savings, and debts in one place
Annual Dashboard – Get a complete bird’s-eye view of your financial year, including totals, charts, and insights
Monthly Dashboards (12 Tabs) – Drill down into detailed month-by-month budgets with automated summaries
Debt Snowball – Track progress as you pay off debts using the popular snowball method
Net Worth Dashboard – Monitor your net worth growth and stay motivated over time
Sinking Funds – Save for vacations, home repairs, or other big goals without stress
Accounts Balance – Track balances across all accounts in one clear view
Calendar – Schedule bills and due dates so you’ll never miss a payment
Instruction Page – Step-by-step guidance to get set up in minutes

With your purchase, you’ll also receive a PDF instantly after checkout. Inside, you’ll find:

Clickable links to access the Google Sheets version
A sample template with prefilled data to explore before adding your own
A video tutorial showing exactly how to access and start using your files

Who It’s Perfect For

✔️ Individuals who want a simple yet powerful budgeting system
✔️ Families looking to stay on top of monthly bills and annual goals
✔️ Anyone wanting to track debts, savings, and net worth in one tool
✔️ Beginners who want easy setup + automation without complexity

Key Benefits

✨ Clarity All Year Long – Know exactly where your money goes, every month
✨ Automated Tracking – Dashboards, charts, and progress bars update instantly
✨ Debt Freedom Tools – Stay motivated with repayment strategies and visuals
✨ Plan Big Goals – Save with sinking funds and track long-term progress
✨ Minimalist & Beginner-Friendly – Clean design, simple flow, guided setup
✨ Global-Ready – Works with any currency, anywhere in the world

Important Notes

Digital Download Only – No physical item will be shipped
Gmail Required – Needed to access your Google Sheets file
Template Language – Provided in English (some browsers auto-translate listings, but the spreadsheet itself is English-only)
Excel Version Not Included – This product is for Google Sheets only
Colors May Vary – Slight differences may appear depending on screen settings
No Refunds or Cancellations – Due to the digital nature of this product; contact us if you need help
Personal Use Only – Copyright © Serenata’s Team (Glys Solutions L.P. / Nimbus Reach LLC). Redistribution, resale, or reproduction is strictly prohibited
Disclaimer – This template is a budgeting tool, not financial or legal advice. Consult a licensed professional for those services
Liability – By purchasing, you agree Serenata’s Team is not liable for outcomes from its use

What People Are Saying

Super helpful to keep track of expenses and bills

Love it and love this store!

I love this tracker, it's well put together. I wish it displayed how much money I had left in the expenses category. I have to calculate that on my own. Although there is a chart displayed in the cell, it would be helpful if it showed the actual amount left.

Great product for our needs.

Good spreadsheet. Very complete, I will give it good use.

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Designed for beginners & pros alike, with guides built right in.

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No stress, no hunting for files. Right after the checkout, you’ll receive a single PDF containing clickable links to your templates, a step-by-step video tutorial, sample files, and direct contact options. Everything is neatly organized in one place, so you can get started right away!

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FAQs

Please visit our FAQs page for more information.

Do I need to pay a monthly subscription?

Nope! No subscriptions, no hidden fees—just a one-time purchase and it’s yours forever. Access your templates anytime, no extra costs!

Is this spreadsheet beginner-friendly?

Absolutely! Our templates are designed to be super easy to use, with clear instructions to guide you every step of the way. Plus, you’ll find an internal guide and handy tips inside to make things even smoother!

Can I use the spreadsheet on multiple devices?

Yes! Once downloaded, you can access it on any device that supports Google Sheets and Excel (Excel is available only for templates that include an Excel version). Manage everything from your laptop, tablet, or phone—for free!

What if I need help?

We’ve got you! If you have any questions or need assistance, just reach out via our contact form, chat, or email—we’re happy to help!

How do I access my purchase?

After purchase, you’ll receive a confirmation email with an “Access Download” button. Clicking it takes you to your order page, where you’ll find a Download button. This will give you a PDF that contains clickable links to your templates, plus a video guide to help you get started. You can also download the same PDF instantly from the confirmation page after checkout.

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