Multi-Account Annual Budget Spreadsheet (Google Sheets Template)
 
A clean, beginner-friendly budget planner designed to simplify your finances and track multiple accounts (4 tabs total).
 
This annual Google Sheets template helps you track your income, expenses, savings, and debt across multiple bank accounts — so you can stay organized, manage your money with confidence, and finally feel in control.
 
Perfect for both beginners and experienced budgeters who want a simple, stress-free and easy-to-use budget spreadsheet.
 
What It Does
 
Whether you’re managing multiple accounts or just tired of complicated budgeting apps, this annual budget template gives you everything you need to see your finances clearly in one place.

You can track up to 10 checking accounts and 10 savings accounts at once, giving you a real-time snapshot of your balance year at a glance.
 
All your transactions - income, expenses, savings, and debt payments - stay neatly organized on a single tab, while automatic charts and summaries make it easy to visualize your progress.
 
The monthly budget tab helps you plan and track monthly expenses, savings goals, and debt repayments. This makes it easy to see both your short-term spending and your long-term financial progress.
 
Need to move money around? The built-in Withdrawal and Deposit functions make transfers smooth and accurate, with no manual balancing required.
 
Key Features
 
✅ Track Multiple Accounts
Manage up to 20 accounts (10 checking + 10 savings) — perfect for personal or household budgets, side hustles, or joint finances.
 
✅ All-in-One Transactions Tab
Record income, expenses, and transfers between accounts on one organized sheet. Everything updates automatically across the dashboard.
 
✅ Monthly Budget Tab
Plan your monthly spending, savings goals, and debt payments. Track actual vs. planned totals and keep short-term spending aligned with long-term goals.
 
✅ Annual Dashboard
Visualize your full year with easy-to-read charts and tables showing your spending categories, overall cash flow, and savings progress.
 
✅ Account Balance Tracker
View real-time balances for all your accounts. Know exactly how much you have, where, and what’s left to spend.
 
✅ Effortless Account Transfers
Seamlessly record withdrawals, deposits, and internal transfers between accounts to keep your data accurate and consistent.
 
✅ Beginner-Friendly Setup
Follow simple step-by-step instructions. A pre-filled example sheet helps you start budgeting within minutes — no formulas or prior experience required.
 
✅ Works with Any Currency
Set your preferred currency once, and it automatically updates throughout the entire template.
 
Why You’ll Love This Template
 
☑️ Simple Yet Powerful: A high-end financial planner in Google Sheets for both pros and first-time budgeters.
☑️ Simple & Stress-Free: A clean layout that takes the overwhelm out of budgeting and makes money feel manageable.
☑️Everything in One Place: Track all your accounts and transactions in one easy sheet with no more scattered apps or sticky notes.
☑️ Made for Real Life: Plan monthly expenses, savings, and debt payments on the dedicated tab, while the annual view keeps your long-term goals in sight.
 
Money management doesn’t have to feel complicated. This Multi-account Annual Budget Template helps you see the full picture of your finances, track your progress, and make every decision from a place of confidence and ease.