An annual budget spreadsheet bundle that plans the whole year, not just this month
A monthly budget answers one question: where did this month’s money go? That’s useful. But it can’t tell you that March is the month your car insurance, a wedding gift and a school trip all land at once. It can’t warn you that December will cost twice as much as November. And it says nothing about whether you’re actually getting ahead.
An annual plan can. The Complete Annual Budget Bundle gives you a full-year view of your money, a serious debt plan, a way to find and cancel wasted subscriptions, a 36-month net worth record and a weekly journal that keeps you honest. Five tools. One download. One clear picture of your year.
What’s inside the bundle
1. Lapis Ledger Annual Budget Spreadsheet ($19.99 on its own)
This is the engine of the bundle. Lapis Ledger lays out all twelve months side by side, so you can plan income and spending across the year rather than scrambling month to month. It has a yearly dashboard that charts income against spending, a bill calendar that shows which bills fall on which dates, and a recurring bills list that fills each month automatically.
There’s a paycheck planner for anyone paid weekly or biweekly, a sinking funds section for the costs that come once or twice a year, a debt payoff page with snowball and avalanche options, and a no-spend challenge tracker. It also supports the 50/30/20 method if you like a simple rule to start with.
2. Freedom Date Debt Payoff Tracker ($9.99)
Freedom Date goes deeper on debt than any budget sheet can. Enter each debt with its balance, rate and minimum payment. The tracker builds a month-by-month payment schedule and gives you an exact debt-free date. You can test the snowball method, the avalanche method or your own custom order, and see how an extra $50 or $100 a month moves that date.
A credit utilization section shows how much of each card’s limit you’re using, which matters if you’re working on your credit score. It comes with a blank file, a filled example and a user guide.
3. SubSweep Subscription & Renewal Tracker ($5.99)
Small monthly charges hide well. A $7 app here, a $12 streaming service there, a free trial that quietly became paid. SubSweep lists every subscription with its cost, billing cycle and renewal date. It works out the true yearly cost of each one and flags renewals coming up, so you can cancel before you’re charged again.
Most people who run a proper subscription audit find at least two or three they don’t use. That money can go straight into your sinking funds or debt plan.
4. Tallyrise Net Worth Tracker ($4.99)
Budgets track flow. Net worth tracks progress. Tallyrise records 36 months of assets and liabilities, charts the trend and tracks goals like an emergency fund target. Seeing that number rise month after month is the clearest proof that the plan is working. It includes a filled sample so you can see how it looks after a year of use.
5. Quiet Coin Kakeibo Money Journal ($5.99)
Kakeibo is a Japanese budgeting method built around four questions: How much do I have? How much do I want to save? How much am I spending? How can I improve? Quiet Coin turns that into an undated weekly journal with spending pages, savings goals and a year-end review. It comes as printable PDFs in US Letter and A4 and as a hyperlinked digital version for GoodNotes and Notability.
Spreadsheets are great for numbers. Writing things down by hand once a week does something different. It makes you notice.
How the five tools fit together
- January: Set up Lapis Ledger with your expected income and every bill you know about for the year.
- Same week: Run SubSweep. Cancel what you don’t use and move the savings into a sinking fund.
- Next: Load your debts into Freedom Date and pick your payoff method.
- Every week: Log spending in Lapis Ledger, then spend ten minutes with the Quiet Coin journal.
- Every month: Record payments in Freedom Date and update Tallyrise.
Who this bundle suits
- Households that want to plan around big annual costs instead of reacting to them
- Anyone paid weekly or biweekly who struggles with monthly templates
- People paying off several debts at once
- Anyone who suspects money is leaking through subscriptions
Formats and compatibility
- Spreadsheets in Excel (.xlsx) that also open in Google Sheets
- Kakeibo journal as printable PDFs in US Letter and A4 plus a hyperlinked GoodNotes and Notability PDF
- Example files and a user guide for each product
Digital download only. Nothing is shipped.
Frequently asked questions
Is the annual budget dated?
No. You choose the starting month and year, so you can begin any time.
Does it work outside the US?
Yes. Type amounts in any currency. Nothing is locked to dollars.
Can my partner and I both use it?
Yes. Upload the spreadsheets to Google Drive and share them.
Do I need GoodNotes for the journal?
No. The printable versions work with a pen. The digital version suits any PDF note app.
The price
Bought separately, these five products cost $46.95. The bundle is $34.99. You save $11.96, which is 25% off.
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