2026 Budget System | Minimal Moves

Budgeting doesn't have to be complicated.

This is a complete, done-for-you Google Sheets budget system built for real life, whether you're working a 9-5, a self-employed creative, or somewhere in between.

Open it, make a copy, and start budgeting today.

What's inside:

📊 12 Monthly Budget Sheets — zero-based budgeting layout with income, bills, savings, wants, debt, and investments all in one place. Log transactions as they happen and watch your actuals update automatically.

📈 Annual Snapshot — see your full year at a glance. Income vs expenses chart and annual spending breakdown update automatically as you go.

🪣 Sinking Funds Tracker — set up dedicated savings buckets (emergency fund, travel, car, gifts, etc.), log contributions, and watch progress bars update in real time.

💳 Debt Payoff Tracker — enter your balances and monthly payments, log what you actually pay, and watch your remaining balance and payoff date count down automatically.

📊 Net Worth Tracker — log your assets and debts and track your net worth month by month.

How it works:

After purchase you'll receive a link to a Google Doc with your copy links. Click your color, hit "Make a copy," and it saves straight to your Google Drive. No downloading, no converting files.

Requires a free Google account. Not compatible with Excel.

This is for you if:

• You want to actually know where your money is going every month

• You've tried budgeting apps but want something you fully own and control

• You want a system that grows with you

• You're ready to stop guessing and start building actual wealth

Built on zero-based budgeting — the method where every dollar gets assigned a job. Income minus all categories = $0. Nothing falls through the cracks.

Digital product. No refunds. All sales final.

FAQs

Is this for Google Sheets or Excel?
The template was created for Google Sheets.

What is the currency?
USD

Do instructions come with it?
There are currently written instructions, however a video walkthrough/tutorial is coming soon and I will notify you via email!

Is this a subscription?
No. This is a one-time purchase.

Can I get a refund?
This is a digital download with instant access after you purchase. All sales are final and non-refundable as this page walks through what's included. Thank you for supporting my small business!

Disclaimer

This budget template is for educational and personal use only and is not financial, legal, or tax advice. Results may vary based on individual income and spending habits. This digital product is for personal use only and may not be shared or resold.