12 Month Business Budget Template Excel | PlanoraNest Template

This 12 month business budget template excel from PlanoraNest gives you a ready-to-use workbook for planning a full year of business income and expenses. Two budget layouts — Services (service-based revenue) and Goods (product sales with COGS) — share monthly Jan–Dec columns and automatic annual totals, so you can forecast cash flow without building formulas from scratch.

Works in Excel, Google Sheets, and WPS. One-time purchase at $1 (regularly $1), instant download, no subscription.

Who it's for

• Small business owners and freelancers planning monthly income and expenses for a full fiscal year.
• Service businesses (consulting, agencies, contractors) that bill by project or retainer.
• Product-based businesses that need sales revenue, COGS, and gross profit in one place.
• Bookkeepers and office managers preparing annual forecasts without enterprise accounting software.

What's in the workbook

Four sheets — start with Start Here:

Sheet	What it does
Start Here	Quick-start guide with worksheet overview, setup tips, and PlanoraNest brand colors.
Services	Service-business budget: Operating Income (5 customizable categories + Other), Non-Operating Income (interest, rental, gifts, donations), Operating Expenses (accounting, advertising, payroll, rent, utilities, and 15+ line items), Non-Recurring Expenses, Net Income Before Taxes, and NET INCOME — all with Jan–Dec columns and annual totals.
Goods	Product-business budget: Sales (6 product lines + Other), Cost of Goods Sold summary, Gross Profit, the same expense sections as Services, plus a detailed COGS breakdown (beginning inventory, purchases, shipping, labor, ending inventory) for up to 4 product groups.
About	Template attribution, license, and PlanoraNest link.

Key features

• Full 12-month layout: Jan through Dec columns with automatic Total column on every income and expense row.
• Two business models in one file: Services for fee-based revenue, Goods for product sales with COGS tracking.
• Pre-built expense categories: Accounting & Legal, Advertising, Payroll, Rent, Insurance, R&D, Travel, Web Hosting, and more — rename rows to match your chart of accounts.
• Bottom-line formulas: Total INCOME, Total EXPENSES, Net Income Before Taxes, Income Tax Expense, and NET INCOME update as you enter monthly figures.
• COGS detail (Goods sheet): Track inventory, purchases, shipping, and labor per product group.

Preview

Screenshots from the actual template:

Services sheet

Goods sheet

About

Start Here

How to use

1. Open Start Here for navigation tips and a worksheet guide.
2. Pick Services for service revenue, or Goods for product sales — use both if you have mixed revenue.
3. Rename income categories (Category 1–4, Product 1–6) to match your revenue streams.
4. Enter monthly amounts in the Jan–Dec columns; totals and NET INCOME update automatically.
5. On the Goods sheet, fill in the COGS detail section if you need per-product inventory tracking.
6. Check NET INCOME at the bottom for your projected profit or loss.

Works with

• Microsoft Excel (desktop & web)
• Google Sheets
• WPS Office
• LibreOffice Calc

One-time purchase · $1 USD (regularly $1) · Instant download · No account required to use the file after purchase.