Your Whole Year of Money in One Automated Spreadsheet
Most budgets fall apart by March because you retype the same bills every month. The ARKEONIC Annual Budget System plans your year once, then you just tick what got paid. Your dashboard, debt payoff plan, savings rings and net worth update themselves.
- 19 tabs: Setup, Dashboard, 12 monthly budgets, Transactions, Debt, Savings, Net Worth
- Bills repeat on their own: monthly, every 2, 3 or 6 months, or yearly
- See your debt-free date and every savings goal grow
- Works for any year. Pay once, no subscription
⚡ Instant download · 🔒 One-time payment · ↺ 7-day money-back guarantee
19 Tabs. One File. Your Whole Year.
Every screen below is the real spreadsheet with example data. Swipe to look around.
← Swipe or scroll →
⚡ Instant download · 🔒 One-time payment · ↺ 7-day money-back guarantee
Budgeting You'll Actually Keep Doing
Tick, Don't Retype
Your paychecks, bills, debt payments and savings are already planned for every month. Tick ✔ when they happen.
Bills on Autopilot
Set each bill once with how often it repeats. Quarterly and yearly bills show up in the right month on their own.
Motivation You Can See
Savings rings, progress bars, a growing net worth chart and your debt-free date keep you going.
12 Automatic Charts
Income vs spending, savings growth, spending mix, left over, categories and net worth. No formulas to write.
Any Year, Every Year
Change one cell and all 12 months, dates, bills and your debt plan move to the new year.
Excel or Google Sheets
One purchase, both formats. Set it up on your computer, tick from your phone.
So Easy, It Takes Seconds
This is exactly how you use it. No formulas, no spreadsheet skills.
1. Set your bills once
Type the bill, the day and the amount. Pick how often it repeats.
2. Tick what you pay
Pick ✔ from the dropdown. Totals and charts update by themselves.
3. Watch it grow
Tick a deposit and your savings rings fill up.
⚡ Instant download · 🔒 One-time payment · ↺ 7-day money-back guarantee
Everything You Need in One File
⚡ Instant download · 🔒 One-time payment · ↺ 7-day money-back guarantee
How Each Tab Helps You
Everything is connected. Fill in Setup once and the rest of the file follows.
Annual Dashboard: Your Year on One Page
See the big picture in five seconds.
- Total income, spent, saved, savings rate and net worth
- Progress bars for your net worth goal, savings goals and debt paid
- Month-by-month table: income, bills, variable, debt, savings, left over
- 6 charts: income vs spending, savings growth, spending mix, left over, categories, net worth
12 Monthly Tabs: Tick It, Done
Planned vs actual for every line, every month.
- Income, bills, variable spending, debt payments and savings, already filled in from Setup
- Tick ✔ when it happens; the row turns green
- Different amount? Type it once in 'If different'
- Budget vs actual chart and a 'where it went' donut
- Over-budget categories turn red
Bills That Repeat on Their Own
Set each bill once with its due day and how often it comes.
- Every month, every 2, 3 or 6 months, or every year
- Pick the first month; it lands in the right months automatically
- Monthly average shows the true cost of yearly bills
- Up to 20 bills, 10 income sources, 15 spending categories
Transaction Log
Log everyday spending in seconds.
- Date, category, amount, paid with, note (1,000 rows)
- Category dropdown from your own list
- Each month tab totals it and shows what's left
- Filters built in
Debt Payoff Plan and Debt-Free Date
Know exactly what to pay and when you'll be done.
- Snowball or avalanche, plus an extra monthly payment
- Payoff month, months left and interest cost for each debt
- This year's payment plan feeds your month tabs
- Total debt left chart for the next 10 years
Savings Goals and Sinking Funds
Watch every fund fill up.
- Up to 8 funds: emergency fund, vacation, Christmas, new car and more
- Progress ring and % for each fund
- Amount needed per month to hit your target date
- Projected finish date at your current deposit
Net Worth Tracker
Update balances once a month and watch the number climb.
- Up to 8 assets and 8 liabilities, month by month
- Current net worth and change this year
- Progress bar toward your net worth goal
- Net worth and assets vs liabilities charts
Works for Any Year
Buy once, budget every year.
- Change the year in Setup and every month and date follows
- Your bills, categories and goals carry over
- Your debt plan restarts from the new January
- No subscription, ever
⚡ Instant download · 🔒 One-time payment · ↺ 7-day money-back guarantee
Opens in Excel and Google Sheets
Excel 2019, Excel 2021 and Microsoft 365 on Windows or Mac. Google Sheets in any browser, plus the iPhone and Android apps. Set it up on a computer first, then tick from your phone. Not supported in Apple Numbers.
Set Up Tonight in 4 Steps
Buy once
Secure checkout with card, PayPal, Shop Pay or Apple Pay.
Download
Get the file on the thank-you page. We email you the link too.
Fill in Setup
Open it in Excel, or make your Google Sheets copy. List your income, bills, debts and goals.
Tick and watch
Each month, tick what got paid and log your spending. The charts do the rest.
The Full System. $9, One Time.
one-time payment · instant download · use it every year
- Annual Dashboard with 6 charts and 3 progress bars
- 12 monthly budget tabs with tick-when-paid
- Bills that repeat monthly, quarterly or yearly
- Debt payoff planner (snowball or avalanche)
- Savings goals with progress rings
- Net worth tracker and 1,000-row transaction log
- Excel (.xlsx) + Google Sheets
If it's not right for you, email us for a full refund.
Digital product, nothing is shipped. For informational purposes only. Not financial advice.
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Questions, Answered
Which version of Excel do I need?
Excel 2019, Excel 2021 or Microsoft 365 on Windows or Mac. Apple Numbers and very old Excel versions are not supported.
How do I use it in Google Sheets?
Upload the file to your Google Drive and open it with Google Sheets, or use the Make a copy link in the Start Here guide. You need a free Google account.
How do I get the file after I buy?
Instantly: download it on the thank-you page. We also email you the link.
Does it work for any year?
Yes. Change the year in Setup and all 12 months, dates, repeating bills and your debt plan move to that year.
Can I change the categories?
Yes. Rename or add income sources, bills, spending categories, debts and savings funds in Setup. Everything else updates.
Does it connect to my bank?
No. Your data stays in your own file or your own Google Drive. You tick payments and log spending yourself, which takes a few minutes a week.
Can I use it on my phone?
Yes, with the Excel or Google Sheets app. We recommend doing the first setup on a computer.
What's your refund policy?
A 7-day money-back guarantee. Email contact@arkeonic.com with your order number.
Know Where Every Dollar Goes, Starting Tonight.
19 tabs · Excel + Google Sheets · any year · one-time $9
⚡ Instant download · 🔒 One-time payment · ↺ 7-day money-back guarantee