Annual Budget Planner Spreadsheet | Excel & Google Sheets | Steady Year

Steady Year is a calm, colour-coded budget planner for your whole year. Enter your recurring bills and subscriptions once — they fill in every month they're due, all year long.

Why you'll like it

• Enter bills once: monthly, quarterly, twice-a-year and yearly bills appear on the right months automatically.
• A dashboard that updates itself: money in, money out, what's free to spend, what you've put aside and your top saving month — plus charts for money in vs money out, planned vs actual, how your savings grow and your bills by category.
• Colour-coded bill calendar: pick a month to see what's paid, due, overdue and today, with "due today" and "coming up next" lists.
• Needs vs wants: compare your spending to targets you set (50 / 30 / 20 by default).
• Trackers: debt payoff and savings goals with progress bars, a subscription tracker, net worth, and a No-Spend Days tracker with a yearly count.
• Paycheck plan: see what each half of the month needs to cover.
• Phone View: a narrow tab with your key numbers for quick checks on your phone.
• Any currency: set to ₱ by default, changeable in one cell.

What's inside — 25 tabs

Start Here · Setup · Dashboard · Annual Overview · 12 monthly tabs (Jan–Dec) · Transactions · Paycheck Plan · Bill Calendar · Debt Payoff · Savings Goals · Subscriptions · No-Spend Days · Net Worth · Phone View

What you get

• A Google Sheets copy link (inside the Start Here PDF)
• 2 Excel files (.xlsx): one filled with sample data to explore, and one blank for your own year
• A Start Here tab with step-by-step instructions

Works in

• Google Sheets — click the link in the PDF and make your own copy
• Microsoft Excel — open the .xlsx file

Good to know

• This is a digital product. No physical item will be shipped.
• Formulas are protected (no password) so they don't break by accident; input cells are lightly tinted.
• For personal use. Please don't resell or share the files.