Monthly Budget Planner: Know Exactly Where Your Money Goes (Complete Overview 2026)
Monthly Budget Planner: Know Exactly Where Your Money Goes (Complete Overview 2026)
The Monthly Budget Planner dashboard — income, expenses and Available Money at a glance (demo figures: $4,675.00 income, $3,272.50 expenses, $917.50 available)
Most budgets fail because they live in five different places. The Monthly Budget Planner by Productiva Studio puts your entire month — income, expenses, bills, savings and a full monthly review — into one clean Excel & Google Sheets workbook, so you can plan the month, track spending day by day, and see exactly where your money goes.
Currently available on Etsy at a sale price of $9.09 (30% off the regular $12.99), it ships as one ZIP with two workbooks: a clean Customer workbook ready for your numbers, and a Demo workbook pre-filled with 100+ realistic transactions so you can see every sheet in action before entering a single figure. Here's the complete overview.
📦 What's Included
Your digital download is one ZIP file containing 2 Excel workbooks (.xlsx):
- CUSTOMER Excel workbook — a clean version, ready for your own financial information
- DEMO Excel workbook — the same workbook filled with 100+ realistic demo transactions (September 2026 sample data), so you can see how every sheet works before entering your own information
Capacity: 100 income rows, 200 expense rows and 50 bills — plenty of room for a busy month.
📑 The 9 Tabs — Your Whole Month, One Workbook
Each workbook contains the same 9 linked tabs:
- START HERE — your setup home base (this tab also holds the sheet-protection password)
- DASHBOARD — your month at a glance, with the Month Selector dropdown
- MONTHLY BUDGET — plan your budget by category, then compare planned vs actual spending
- INCOME — track income from multiple sources
- EXPENSES — record everyday spending with dropdown categories
- BILLS — track bills, due dates and payment status
- SAVINGS — set savings goals and watch target, current amount, remaining and progress %
- CATEGORIES — rename categories and dropdown lists to fit your budget
- MONTHLY REVIEW — sit down at month's end and review how you actually did
9 tabs, one workbook — the demo dashboard: Income $4,675.00, Expenses $3,272.50, Unpaid Bills $485.00, Available Money $917.50
📊 See Your Money at a Glance
The DASHBOARD is where the magic happens. The included demo workbook (September 2026) shows exactly what you'll see:
- Income: $4,675.00
- Expenses: $3,272.50
- Unpaid Bills: $485.00
- Available Money: $917.50
- Status: ON TRACK ✅
You also get a Need vs Want chart, spending by category, and a category summary.
Available Money is calculated as:
Available Money = Income − Expense Spending − Savings logged − unpaid bills
And here's the detail most trackers get wrong: paid bills are not deducted twice. Once a bill is marked paid, it stops counting against your Available Money.
🗓️ Month Selector — One Workbook, Every Month Through 2030
Use the Month Selector dropdown on the DASHBOARD to choose any month from January 2025 to December 2030. The dashboard totals and charts update for whichever month you pick — so this one workbook serves you for years, not weeks.
Month Selector (Jan 2025 – Dec 2030), Needs vs Wants split, savings-goal progress, and generous row capacity
💰 Why You'll Love This Budget Spreadsheet
- ✓ Plan your monthly budget by category
- ✓ Track income from multiple sources
- ✓ Record everyday expenses with dropdown categories
- ✓ Compare planned vs actual spending
- ✓ Track bills, due dates and payment status
- ✓ See unpaid bills reflected in Available Money
- ✓ Separate Needs vs Wants spending
- ✓ View your month on one dashboard
- ✓ Switch months with the Month Selector
- ✓ Review your month with the Monthly Review sheet
- ✓ Customize categories and dropdown lists
💵 Savings Tracking That Actually Makes Sense
Savings goals live on the SAVINGS sheet, which tracks target, current amount, remaining and progress % for each goal. Expenses logged in the Savings category are summarized there — and, importantly, they are not counted as regular spending in the Needs vs Wants split. They are deducted from Available Money, so saving feels like what it is: money put aside, not money spent.
✏️ Make It Yours — Customize the Categories
Rename the categories and lists on the CATEGORIES sheet to fit your budget. One important tip from the seller: rename categories before entering transactions, because existing transactions keep their original category text.
🖥️ Excel + Google Sheets
The product is an Excel .xlsx workbook. To use it with Google Sheets, upload the .xlsx file to Google Drive and open it with Google Sheets.
Please note: charts, formatting and dropdowns may look slightly different in Google Sheets than in Microsoft Excel. Sheet protection and the protection password work in Microsoft Excel only — Google Sheets does not keep sheet protection. The password itself is listed in the START HERE tab, and editable input cells are clearly marked in the workbook.
Currency: the workbook uses USD ($) formatting — and you can adapt it to your own currency.
⚡ How to Get Started
- Purchase — complete your purchase on Etsy. Your files are available as an instant download once payment is confirmed.
- Download — grab the ZIP with the CUSTOMER workbook (clean) and the DEMO workbook (100+ sample transactions).
- Explore the demo first — open the DEMO workbook to see how all 9 tabs work together, with September 2026 sample data.
- Open the CUSTOMER workbook — in Excel, or upload to Google Drive and open with Google Sheets.
- Set up — start at the START HERE tab, customize your categories on the CATEGORIES sheet, then pick your month with the Month Selector on the DASHBOARD.
- Track your month — log income, expenses and bills; watch Available Money and your ON TRACK status update; close the month with the Monthly Review sheet.
📋 Product Details
- Brand: Productiva Studio
- Product: Monthly Budget Planner | Excel & Google Sheets Spreadsheet | Expense, Bill and Savings Tracker
- Product Type: Digital Download (no physical item shipped)
- Files: 1 ZIP — CUSTOMER Excel workbook (.xlsx, clean) + DEMO Excel workbook (.xlsx, 100+ demo transactions)
- Tabs: 9 — START HERE, DASHBOARD, MONTHLY BUDGET, INCOME, EXPENSES, BILLS, SAVINGS, CATEGORIES, MONTHLY REVIEW
- Capacity: 100 income rows, 200 expense rows, 50 bills
- Month range: January 2025 – December 2030 (Month Selector dropdown)
- Compatibility: Excel (.xlsx); Google Sheets via Drive upload (formatting may vary; sheet protection is Excel-only)
- Currency: USD formatting, adaptable to your own currency
- Delivery: Instant digital download through Etsy after payment confirmation
- License: Personal use only — may not be resold, redistributed, shared, reproduced or claimed as your own
- Price: $9.09 (sale, 30% off regular $12.99)
Note: this spreadsheet is a budgeting and organization tool only. It does not provide financial, investment, tax or legal advice.
❓ Frequently Asked Questions
Is this a physical product?
No. This is a digital download — no physical item will be shipped. Your files are available as an instant download after purchase through Etsy.
Does it work with Google Sheets?
Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets. Charts, formatting and dropdowns may look slightly different than in Excel, and sheet protection works in Excel only.
What will I actually receive?
One ZIP file with two Excel workbooks: a clean CUSTOMER workbook for your own numbers, and a DEMO workbook pre-filled with 100+ realistic transactions so you can learn the system first.
How far ahead can I use it?
The Month Selector covers January 2025 through December 2030 — over five years of monthly budgeting in one workbook.
How is Available Money calculated?
Available Money = Income − Expense Spending − Savings logged − unpaid bills. Paid bills are not deducted twice.
Can I change the categories?
Yes — rename categories and dropdown lists on the CATEGORIES sheet. Do this before entering transactions, since existing transactions keep their original category text.
What currency does it use?
USD ($) formatting, which you can adapt to your own currency.
Is this a subscription?
No. This is a one-time purchase with no recurring fees.
Can I return it if I change my mind?
Etsy instant-download items don't accept returns, exchanges or cancellations — but you can message ProductivaStudio through Etsy about any problems with your order.
🏁 Final Verdict
The Monthly Budget Planner is the workhorse of the Productiva Studio shop: no 16-tab complexity, no learning curve — just 9 focused tabs, one honest dashboard, and the one number that matters: Available Money. The Month Selector stretches it to 2030, the demo workbook means you learn before you enter a digit, and the 100+ customizable rows handle real-life months.
At $9.09 on sale (from $12.99), it's the cheapest complete monthly system in the shop. If you want to know, at a glance, exactly where your money goes — and whether you're ON TRACK — this is the spreadsheet to start with.
Rating: 9/10 — best simple monthly budget system in the shop.
🛒 Where to Buy
Productiva Studio on Etsy
Monthly Budget Planner | Excel & Google Sheets Spreadsheet | Expense, Bill and Savings Tracker
Sale price: $9.09 $12.99
Buy Now on Etsy →Official shop: productivastudio.etsy.com
More buyer guides: Productiva Sells Blog | Shop: Productiva Studio on Etsy
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