01 · Dashboard
Your whole holiday budget at a glance.
Savings goal, saved so far, weeks until Christmas, this week's spending money and your gift fund balance — with a progress bar that fills as you save.
Give every gift a budget — without the holiday stress.
One connected spreadsheet that sets your savings goal, turns what's left of your weekly spending money into a gift fund, and keeps every person on your list — budget, actual spend, status — in one place.
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- XLSX · Microsoft Office, Google Sheets
- Works on all devices
- Delivered digitally after checkout
- Formulas built in — you only type into the yellow cells
- Plan your budgetOne goal, one weekly target
- Track savingsLeftovers roll into your gift fund
- Organize giftsEvery person, every budget
- Monitor spendingEvery purchase in one log
You already know how this goes
You tell yourself you'll start early this year. October turns into November, the odd birthday card and a new pair of shoes eat into the money you meant to save, and somewhere around the second week of December you're doing math in a parking lot, wondering how you're going to cover everyone on your list.
Then January's statement shows up, and it's worse than you remembered.
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1 in 3+
Americans took on holiday debt last season — and about half of them hadn't planned to.
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Nearly half
of parents with children under 18 borrowed to cover the holidays.
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About 1 in 4
holiday shoppers expected to set a budget for the season.
Sources: LendingTree holiday debt survey (Dec 2025, 2,032 U.S. adults); Bankrate Early Holiday Shopping Survey (Jul 2025, 2,567 U.S. adults).
Sound familiar?
Holiday spending gets complicated fast.
It rarely goes wrong all at once. It's a dozen small, separate decisions — spread across weeks, cards and shops — that nobody is adding up.
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So many people to buy for
Family, kids, friends, teachers — each with their own idea, price and deadline.
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Spending you didn't plan for
Wrapping, postage, a last-minute extra — small amounts that quietly add up.
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Purchases you forget about
Was that bought already? Is it wrapped? Receipts end up in bags, inboxes and the car.
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No clear total
Without a number to aim for, it's hard to know if you're on track until it's too late.
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The December scramble
Saving starts late, so the shopping happens in a rush — and on whatever card is closest.
None of this means you're bad with money. It means you don't have one place where it all adds up.
From chaos to control
The right instincts — finally connected.
An envelope here, a savings pot there, a gift list in your notes app. The planner joins them into one system, so saving and spending finally talk to each other.
Before · scattered
- Scattered notes & receipts
- Guessing the total
- "Did I already buy that?"
- Saving starts in December
After · one planner
- A clear savings goalset
- Weekly leftovers→ gift fund
- Every purchaselogged
- Every personbudgeted
- Progress to goalvisible
The idea behind it
The bank trick that used to do this for you.
In 1909, a bank in Pennsylvania started something called a Christmas Club: you put a little money in every week, and it was paid out just before the holidays. It worked — not because of interest, which was usually tiny, but because the money was set aside before you had the chance to spend it.
Over time most people moved away from them. The interest was low, the rules and fees were strict, and the accounts were costly for banks to run. The idea itself — set the money aside first — never stopped making sense.
The Holiday Gift Budget Planner rebuilds that same idea without a bank in the middle. No transfers to remember, no fees, no locked account — just a number that grows every week you log your spending.
- Weekly spending money
- $150
- − Spent this week
- $96
- = Added to your gift fund
- +$54
Example figures. The planner does this calculation for you every week.
Why it works
Everything you need to stay on top of holiday spending.
You only ever type into the yellow cells. The formulas do the rest.
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Set your savings goal
Enter one number — Christmas Day is already built in — and the planner works out the weekly target you need.
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Track your progress
See how much you've saved, what's still to save, and a progress bar that fills as you go.
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Organize every gift
Recipients, groups, gift ideas, budgets, status and wrapped — together on one list.
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Track spending
Log purchases by category, payment method and recipient, so you always know where the money went.
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Budget vs. actual, per person
Log a gift against someone's name and their actual spend fills in on the Gift List.
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See the bigger picture
The Monthly Summary shows what flowed into your gift fund and how your pace compares to your target.
Inside the planner · 5 connected tabs
One workbook. Your entire holiday budget.
Every tab feeds the next. Log a purchase once and your savings, gift list and dashboard all update on their own.
02 · Savings Tracker
A gift fund that builds itself.
Week by week, what you didn't spend rolls into your running total and is tracked against the target you need to hit by Christmas.
03 · Daily Spending
One simple log for every purchase.
Date, category, description, recipient and payment method. It's the tab that feeds everything else.
04 · Gift List
Know exactly who's covered.
Recipient, group, gift idea, budget, actual, what's left, status and wrapped — for every person on your list.
05 · Monthly Summary
See the season as a whole.
A 12-month view of spending money, what went into your gift fund, gift and other spending, and whether you're on pace.
Previews show sample data. You'll enter your own numbers.
How it works
Three steps. About a minute a day.
Setup takes a few minutes. After that, you just log what you spend.
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Set your goal
Enter your total savings goal and your normal weekly spending money. Christmas Day is already built in, so your weekly target is calculated for you.
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Track your spending and savings
Log everyday purchases in one simple list. Whatever you don't spend each week rolls into your gift fund automatically.
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Shop with confidence
Log each gift against the person it's for. Your gift list shows budget, actual and what's left — before you check out.
Start my gift fund
The earlier you start, the smaller the weekly amount needs to be.
A closer look
Built to answer the questions you actually have.
01 · Dashboard
Know where you stand in five seconds.
One page with everything that matters, calculated from the numbers you enter elsewhere.
- Savings goal, saved so far and still to save
- Weeks until Christmas and your weekly savings target
- This week's spending money and gift fund balance
- A progress bar that fills as your savings grow
02 · Savings Tracker
Saving, without moving money around.
Each week the tracker compares your weekly spending money with what you logged, and adds whatever is left over to your gift fund.
- Week-by-week running total
- Tracked against the target you need by Christmas
- Nothing to transfer — it's calculated for you
03 · Daily Spending
Never wonder where the money went.
One place to log purchases as they happen. It's what keeps the whole system accurate.
- Category, description and payment method
- Optional recipient — links the purchase to your Gift List
- Month-to-date total as you go
04 · Gift List
Every person, every budget, one list.
Add the people you're buying for and a budget for each. Log a gift against their name and the actual spend fills in.
- Recipient, group and gift idea
- Budget, actual and what's left
- Status and wrapped columns
05 · Monthly Summary
The season as a whole.
Zoom out to a 12-month view and see how your saving pace compares with your target.
- Spending money and gift fund, month by month
- Gift spending vs. other spending
- A simple pace indicator
What's included
Five connected tabs in one workbook.
Formulas are already built in. You fill in the yellow cells; everything else calculates itself.
- File format
- XLSX
- Works with
- Microsoft Office, Google Sheets
- Devices
- Computer, tablet or phone
The difference
More than a gift list.
Most gift spreadsheets track spending against money you already have. This one also helps you build that money first.
| Without a planning system | With the Holiday Gift Budget Planner 2026 |
|---|---|
| Without a planning system: Notes, receipts and apps in different places | With the planner: One connected workbook |
| Without a planning system: Guessing what you can afford | With the planner: A clear savings goal and weekly target |
| Without a planning system: Saving starts too late | With the planner: Weekly leftovers roll into your gift fund |
| Without a planning system: Forgotten or doubled-up purchases | With the planner: Every purchase logged, with status and wrapped |
| Without a planning system: Totals you only see in January | With the planner: Budget vs. actual for every person, as you go |
| Without a planning system: No sense of pace | With the planner: A monthly view of your progress |
The planner organizes your numbers — how much you save still depends on what you spend.
In real life
Ten calm minutes on a Sunday. A calmer December.
Open it with your coffee, log the week, and see exactly where your gift fund stands.
Shared by customers
Planning season, in real homes.
You might be thinking
I don't have extra money to save.
You're not being asked to find new money. The planner works with whatever is left over from your normal week-to-week spending — even small, uneven amounts add up over the weeks before Christmas.
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"I'm not really a spreadsheet person."
You don't need to build or understand any formulas — they're already done. You only type into the yellow cells: your goal, your weekly spending money and what you buy.
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"What if I forget to log things for a few days?"
Nothing breaks. Add purchases whenever you get to them and the totals catch up automatically. There's no streak to lose.
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"I already have a gift spreadsheet."
Most gift lists track spending against money you already have. This one also helps you build that money first, from your regular weekly spending.
FAQ
Questions, answered.
Can't find what you need? We're happy to help.
A ready-made spreadsheet that sets your holiday savings goal, turns what's left of your weekly spending money into a gift fund, tracks your everyday spending, and keeps your whole gift list — budgets, actual spend and status — in one place.
One workbook with five connected tabs: Dashboard, Savings Tracker, Daily Spending, Gift List and Monthly Summary.
Yes. It's a digital spreadsheet file (Excel .xlsx). Nothing is shipped to you.
The planner is delivered digitally after checkout — you'll receive access to download the workbook. Nothing is shipped.
The planner is an Excel workbook (.xlsx) made for Microsoft Excel. It can also be opened in Google Sheets through Google Drive.
Yes — it's built around your numbers. You enter your own savings goal and weekly spending money, and add your own recipients, groups, gift ideas and budgets.
Each week it compares your weekly spending money with what you logged in Daily Spending, adds whatever is left over to your running gift-fund total, and tracks that against the weekly target you need to reach your goal by Christmas.
When you log a purchase in Daily Spending against someone's name, their actual spend on the Gift List fills in automatically, next to their budget and what's left.
The planner works best on a computer or tablet, where you can see the whole sheet. Spreadsheet apps such as Microsoft Excel for mobile can open .xlsx files if you want to check your numbers on the go.
Yes. The file is yours to keep. Save a blank copy before you start, and you'll have a fresh planner ready for next season.
Start this week
Make this holiday season feel organized from the start.
Every week before December 25th is a week your leftover spending money can go toward your gift fund. The earlier you start, the smaller the weekly amount needs to be.
Holiday Gift Budget Planner 2026
Sale price
$34.99
Regular price
$69.98
Save 50%
- Dashboard — goal, progress, gift fund
- Savings Tracker — week by week
- Daily Spending — one simple log
- Gift List — every person, every budget
- Monthly Summary — 12-month view
Digital download · One-time payment · No subscription
Holiday Gift Budget Planner 2026
Sale price
$34.99
Regular price
$69.98