A year of tabs to fill in. Or a year that adds itself up.
PrioriDigitalStudio's Ultimate Annual Budget Spreadsheet is one of Etsy's best sellers: twelve monthly budgets with bill, debt and savings trackers, for Excel or Google Sheets. Oakfold is a free desktop app that does the same jobs without the formulas.
If you love spreadsheets and want one you can reshape however you like, this is a well-loved choice for a one-time price. If you want the same jobs done without setting up or fixing a workbook, Oakfold is free.
| Oakfold | Ultimate Annual Budget | |
|---|---|---|
| Price | Free for all budgeting. Core is $4.99 a month for Oak, your household and sync | One-time, around $11 when we checked (Etsy listings go on sale often) |
| Free option | Free for good, with every budgeting tool. No trial to run out | No free version, but you buy it once |
| Where it runs | Desktop app for Windows and Mac. No phone app yet | Excel or Google Sheets |
| Bank connection | None, by design. Enter transactions yourself, or scan a statement (PDF, CSV or photo) | None. You type or paste in each transaction |
| Where your data lives | On your computer. Cloud backup and sync are optional, with Core | Your Excel file, or your Google account |
| How you budget | Category and subcategory budgets, 50/30/20 or your own split, fixed and variable | 12 monthly budgets, with bill, debt and savings trackers |
| AI assistant | Ask Oak, with Core: chat, voice and screen share, 150,000 credits a month | None |
| Budgeting with a partner | With Core, up to 4 people, each with a profile and PIN, on up to 5 computers | Share the Google Sheet with a partner |
| If you stop paying | Everything you entered keeps working on Free | Nothing to stop: you bought it once |
Facts about Ultimate Annual Budget from its Etsy listing, checked November 10, 2026. Prices and plans change, so check before you decide.
What Ultimate Annual Budget does well
- A one-time price, often just a few dollars.
- It's a spreadsheet: rename anything, add tabs, change formulas.
- Opens in Google Sheets on any device, including your phone.
- A full year in one workbook, with bill, debt and savings trackers.
Why people choose Oakfold
- Nothing to set up: budgets, bills, debt payoff and goals already work together.
- No formulas to break when you type over a cell or insert a row.
- Scan a statement to check your records and add what's missing.
- Free to use. Oak, a shared household and cloud sync are there with Core if you want them later.
Pick the one that fits how you budget
Pick Ultimate Annual Budget if
- You enjoy building in spreadsheets and want full control of the layout.
- You want to edit your budget in Google Sheets on your phone.
- You want to pay once and own the file.
Pick Oakfold if
- You want a budget that works without building or fixing formulas.
- You want debt payoff dates and goals connected to your budget.
- You want your finances in an app on your computer, not in a Google account.
The cost, plainly
What each costs once.
Oakfold and Ultimate Annual Budget, answered
Can I import my spreadsheet into Oakfold?
You can scan or import bank statements as PDF, CSV or photos, which is usually the quickest way to bring a month in. Oakfold can also export your data to CSV and JSON, so it's never locked in.
Is a spreadsheet more private than an app?
An Excel file on your computer is. A Google Sheet lives in your Google account. Oakfold keeps your data on your computer unless you turn on cloud sync with Core.
More comparisons
- Oakfold vs TheWeeklyCrewA paycheck budget sheet on Etsy
- Oakfold vs Haye CreativesGoogle Sheets budgets on Etsy
- Oakfold vs YNABZero-based budgeting, two ways
- Oakfold vs GoodbudgetEnvelopes, or categories and goals
Try it on your own month. It's free.
Every budgeting tool is free for good, with no trial to run out and no card to enter.