2027 Annual Budget & Debt-Payoff Spreadsheet System

One workbook for your whole 2027: monthly budgets, a bills calendar, two debt-payoff plans, sinking funds, and savings goals that calculate themselves.

A 21-sheet Excel/Google Sheets workbook with a year-at-a-glance dashboard, 12 monthly budget tabs with budgeted-vs-actual formulas, a transactions log, a bills and subscriptions calendar with per-year costs, and a debt payoff sheet that ranks your debts by snowball and avalanche order with month-by-month schedules for each plan's first target debt. It also includes sinking funds, savings goals with monthly-needed amounts, a paycheck budget splitter, a one-page printable monthly summary, and a PDF quick-start guide covering setup, a first-week checklist, and a plain-English snowball-vs-avalanche example. Labeled example rows show how every sheet works; replace them with your own numbers.