Monthly-Yearly Budget Plan Template

Get a month-by-month view of your finances and plan for the year ahead!

This a template I use throughout the year to track my income and my expenses. I use it 3 ways:

1. It starts with a "planned" version where I input typical monthly spends for categories based on insights from YNAB or Monarch Money. I usually do that in December of the previous year.
2. Then I clone the "planned" tab and I rename it "actuel", and that's where I input at the end of each month the actual expenses. It helps me to see if I met my target expense or indulged a bit too much.
3. The debt and investment/savings sections also allow me to see how much debt I paid down (outside of mortgage and potential car payments) and how much interest I've made on my initial investments over time.

All the formulas are already in there, all you have to do is fill the cells highlighted in yellow month after month ^^

Using that template diligently for over 10 years has truly allowed me to be (not just feel!) more confident with managing my personal finances, making informed decisions (like buying a house!) and fulfilling some longtime dreams I had.

I describe in detail how here: https://thekaizengal.com/rags-to-riches-pay-down-manage-debt/

I cannot wait to see what this budget template will unlock for me next and I sincerely hope it will change your life too!

A funny comment from a customer:

She's basically thanking me because she realized she was losing money and that she needed to be stricter with her money than she realized!