Annual Budget Template For Google Sheets
See your whole year on one screen — and stop getting surprised by the costs you forgot were coming.
- Who it’s for
- Anyone who wants to plan a full year of money at once instead of starting from scratch every month — including people with irregular or seasonal expenses.
- Problem it solves
- Monthly budgets are great for the next 30 days but blind you to the bigger picture — the insurance renewal in March, the holidays in December, the tax bill in April. An annual budget puts all 12 months side by side so the lumpy, once-a-year costs stop ambushing you.
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Key benefits
- All 12 months side by side for a true year-at-a-glance view
- A dedicated row for irregular and seasonal costs (insurance, taxes, holidays)
- Annual savings goals tracked month by month toward a target
- Automatic yearly totals, monthly averages, and surplus/shortfall math
- Works on desktop and the Google Sheets mobile app
- Optional Avery bank sync so the actuals fill themselves in
The Annual Budget is Avery's whole-year view for Google Sheets. Instead of rebuilding a budget every month, you lay all 12 months side by side on one grid — so the costs that only show up once or twice a year (insurance, taxes, holidays, that annual software renewal) are visible months before they hit.
Who it's for
- Big-picture planners who want to see and steer a full year, not just the next 30 days.
- People with seasonal or irregular costs — annual insurance, property taxes, holiday spending — who keep getting caught out.
- Goal savers working toward a yearly target like an emergency fund, a wedding, or a big trip.
- Anyone graduating from a monthly budget who's ready to zoom out and plan ahead.
What's inside
A pre-built Google Sheet with the full year wired up:
- 12-month grid — every category as a row, every month as a column, totals on both axes.
- Irregular costs section — a dedicated home for once-a-year bills, with a monthly set-aside figure.
- Annual savings goals — a target split across the year with a running balance toward it.
- Automatic math — monthly totals, yearly totals, monthly averages, and a year-end surplus or shortfall.
The honest part
An annual budget only works if the actuals are actually in it, month after month. Most yearly plans go stale because nobody wants to type in a year's worth of transactions. This template assumes Avery handles that part — auto-syncing and categorizing your bank transactions automatically — so every month's column stays current and the whole-year view is never guesswork.
Want the full walkthrough with examples? Read the complete annual budget guide, or jump to the most-asked annual budget questions. Prefer to start with a single month? Try the Monthly Budget template.
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Frequently Asked Questions
Is this annual budget template really free?
How is an annual budget different from a monthly budget?
Do I need Avery to use it?
How do I budget for irregular costs that only happen once a year?
Helpful next steps
Related guides
Questions & answers
15 answers on setup, deductions, categories, and taxes — written for answer engines and people in a hurry.
Browse all 15 Q&As →