Give your household budget a clear monthly home in US dollars. Plan income and everyday spending, compare budget vs actual, and keep bills, savings goals and debt payments together across January–December. This is a fillable PDF plus an Excel spreadsheet that calculates for you — not a typical printable-only planner. What's included - 12-page US Letter fillable PDF with a three-step guide and clickable contents - Auto-calculating Excel workbooks: fictional January–March EXAMPLE + BLANK - 12 monthly budget tabs and a linked calendar-year overview - US household categories including housing, health insurance, utilities, gas / transit and childcare - Bills and automatic payments, savings goals, sinking funds and a simple debt payment log - Weekly spending checks, subscriptions review and month-end review Good to know - Dollar ($) amounts inside the files; US English; US Letter paper (8.5 × 11 inches). - Works in Excel and free Google Sheets. No macros and no subscription required for Google Sheets. - Excel formula cells are protected against accidental edits. Google Sheets import may not preserve Excel protection; reapply protection there if needed. - PDF fields are fillable, but PDF totals are manual. Use the spreadsheet for automatic calculations. - Fictional examples and illustrative inputs are educational, not live price quotations or promises. - Digital download only. No physical item. Personal use only; do not share or resell the files. - Organization tool only, not financial, tax or legal advice. - The debt log subtracts payments from a starting balance; it does not calculate interest or fees. Check your statements.