Free Annual Budget Planner
Twelve months, income and expenses, the totals and the yearly balance worked out as you type. It runs in your browser and nothing leaves it — and when you are done you can take the whole year away as a CSV.
How it works
Fill in the months you know
Income on the left, spending on the right. Blank months stay blank instead of counting as zero, so a half-filled year does not pretend to be a whole one.
Watch the year close
Each month's balance appears as you type, and the year total updates underneath — including a warning about how many months finish in the red.
Take it with you
Download the whole thing as a CSV and open it in Excel, Numbers, LibreOffice or Google Sheets. Nothing is kept here.
What it does, and what a spreadsheet does better
This page is deliberately one screen: twelve rows, two numbers each, and the year closing itself at the bottom. It is the fastest way to answer does this year work without opening anything.
What it is not is a place to keep your budget. It has no categories, no chart, no split between rent and groceries, and it forgets everything when you close the tab — by design, since there is nowhere here to store it. If you want to keep a budget rather than sanity-check one, you want a spreadsheet, and that is the file below.
What the same number costs elsewhere
| Service | What you get | Price |
|---|---|---|
| LivePlan (Standard) | Business plan builder with financial forecasting | $20.00 / month |
| YNAB | Budgeting app with bank sync and shared budgets | $14.99 / month |
| This page | The qualified referring-domain count, computed from the public Common Crawl web graph | Free |
Prices read from each vendor's own pricing page on 2026-09-07. We link the page so you can check it yourself; they change them without telling us, and a price we cannot show you the source for is a price we do not print.
The thing an annual total hides
A year can balance perfectly and still be impossible to live through. Three months that close deeply negative need cash on the day they happen, and no yearly figure shows you that — which is why this page marks the negative months separately instead of only printing the total. If you see them, the next question is not "does the year work" but "what covers March".
Free page, or the file
The tool above is free and stays free. The file is the same work done already, laid out, and yours offline — buy it if that is worth 6 euro of your time, not because the page held anything back.
This page
- Twelve months of income and spending
- Totals, averages and the year-end balance
- Download it as CSV and keep it
- No sign-up, no email, nothing stored
Annual Budget Planner — 14 Sheets for Excel & Google Sheets
- The spreadsheet, formulas already written
- Categories, charts and a yearly summary sheet
- Opens in Excel, Numbers and Google Sheets
- Works offline, and it is yours
One payment, no account on this site, no renewal. Gumroad handles the checkout and the VAT; we never see your card.
Questions
Is anything saved or sent?
No. There is no analytics script, no cookie and no server call on this page. The arithmetic happens in your browser; close the tab and it is gone. The CSV is generated in the page and saved by your browser directly.
Can I use the CSV in Excel or Google Sheets?
Yes — it is plain comma-separated UTF-8 with a header row. Open it in Excel, Numbers, LibreOffice, or import it into Sheets. It contains the months, your two figures and the monthly balance.
Why is there no category breakdown?
Because a page you use once does not need one, and a budget you keep does. Categories are where a planner becomes a file you reopen every month, and that is a different thing from this — it is the fourteen-sheet workbook below.
Can I use it as a monthly budget planner instead?
Yes. Fill in one row and read that month's balance; the other eleven stay blank and are ignored. It works the same way for a single month, a quarter or a whole year — the only difference is how many rows you touch.
Do I need to sign up or give an email?
No. There is no account on this site at all, for anything. The tool starts working the moment the page loads and there is no step where it asks you for something first.
Can I print it or get a PDF?
Use your browser's print dialogue and choose "save as PDF" — the page is laid out to print cleanly. For a version built to be printed and filled in by hand, with categories and a summary sheet, that is the workbook below.
Does it work on a phone?
Yes. The twelve rows stack and the number fields bring up the numeric keypad. Typing twenty-four figures on a phone is not much fun, but nothing breaks.
The other free tools
Same rules: no account, nothing stored, and the working shown.
About this free annual budget planner
Most free budget planners online are one of two things: a PDF you print and fill in by hand, or a web app that wants an account before it shows you anything. This is neither. It is a single page that adds up twelve months while you type, keeps nothing, and hands you a CSV at the end — closer to a calculator than to an app, because sanity-checking a year is a five-minute job that should not require signing up for anything.
Free annual, monthly or weekly — it is the same twelve rows
Fill in one row and it is a monthly budget planner. Fill in three and it is a quarter. Fill in all twelve and you get the year with the balance underneath. We did not build separate pages for each, because they would have been the same arithmetic with a different heading.
What the totals will not tell you
A year that balances on paper can still be unlivable in March. This page counts the months that finish negative and says so, because that is the number that decides whether you need a buffer — and it is the one an annual total is best at hiding.
When you want to keep it, not just check it
The moment you want categories, charts and a file you reopen every month, a web page is the wrong shape and a spreadsheet is the right one. The workbook above is that, with the formulas already written. And if you are budgeting a business rather than a household, start with the break-even calculator — the rest are on the free tools page.