Christmas Budget Planner 2026, Gift List & Holiday Spending Tracker, Google Sheets, Excel, HTML App, Digital Download

Description

🎄 CHRISTMAS BUDGET PLANNER 2026 🎄
Plan a calm, debt-free Christmas: your budget, gifts, wish lists, every purchase and your holiday hosting, all in one place.

You get it 3 ways, so you can use whichever you love most:
💻 HTML App: opens in any web browser, on computer, iPhone, iPad and Android
📊 Excel workbook (Demo + Blank)
🟩 Google Sheets (Demo + Blank, copied to your own Google Drive)

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✨ WHAT'S INSIDE THE APP

📈 Overview dashboard
• A gold ribbon that fills as you spend, with a live countdown to Christmas
• "Where the money went" donut chart by category
• "Budget vs spent" chart that shows which categories ran over
• "Worth a look" reminders: orders still on the way, gifts that are only an idea, cards to send
• "How you paid": see how much went on credit card or buy now, pay later before January's bill arrives

🎁 Gift List
• Everyone you're buying for, with a gift budget for each person
• Track each gift from Idea → Ordered → Bought → Wrapped → Delivered
• "Spent" fills in automatically from your purchases
• Tick off Christmas cards as you send them

⭐ Wish List
• Letters to Santa, partner hints and your own wishes, with store or link and price
• Must have / Nice to have / Dream gift priorities
• Bought items cross themselves out

🧾 Spending Log
• Log every purchase: date, item, category, recipient, store and payment method
• Track order status (Ordered, Shipped, Delivered, Returned)
• Returned orders automatically stop counting as spent
• Download all purchases as a CSV file

🍽️ Hosting Planner
• Christmas Eve dinner, parties and cookie swaps, each with guests and a budget
• Shopping list with estimated vs actual cost per event
• Instant "On track" / "Over budget" status

⚙️ Settings
• Split your total budget across 9 categories (Gifts, Food & Hosting, Decorations, Cards & Postage, Travel, Giving & Charity, Events & Outings, Wrapping & Supplies, Other)
• Savings plan: see exactly how much to save each week to pay for Christmas in cash
• 40 currencies to choose from: $ € £ ₾ ¥ ₹ and more

📱 Phone friendly: on your phone every list turns into easy-to-tap cards.
📖 Built-in Guide tab explains every part of the planner.
👨‍👩‍👧 Load a sample family with one click to see everything working before you start.

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📊 EXCEL & GOOGLE SHEETS VERSIONS
8 ready-made tabs: Start Here, Dashboard, Settings, Gift List, Wish List, Spending Log, Hosting Plan and Lists.
• DEMO version filled with a sample family's Christmas so you can see everything working
• BLANK version ready for your own plans
• White cells are yours to fill in, tinted cells calculate automatically

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📦 WHAT YOU'LL DOWNLOAD
✅ Christmas Budget Planner HTML app
✅ Excel workbook: DEMO + BLANK
✅ PDF with your Google Sheets "Make a copy" buttons (Demo + Blank)
✅ PDF guide "How to open on iPhone & Mac" with your private link and QR code
✅ Readme with quick-start steps

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🔒 PRIVATE BY DESIGN
• No account, no subscription, no monthly fees
• Your data stays on your own device and is never uploaded
• Saves automatically, with backup and restore built in

📲 ON IPHONE, IPAD OR MAC?
Your download includes a private link and QR code. Open it in Safari and add it to your Home Screen or Dock, and it opens just like an app.

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💡 GOOD TO KNOW
• This is a digital download. No physical item will be shipped.
• Google Sheets needs a free Google account. Make your copy on a computer first, then open it in the Google Sheets app on your phone.
• The Excel files open in Microsoft Excel.
• A budgeting tool, not financial advice.

💬 Questions? Message me anytime. I usually reply within 24 hours and I'm happy to help you get set up.

🎅 Merry Christmas and happy planning!
SmartFinanceCore