2027 Budget Planner Spreadsheet – Excel & Google Sheets

A calm, clear budget planner for 2027. Plan your money, track every expense and see where it goes – in Excel or Google Sheets, in any currency.

Instant download. Nothing will be shipped.

YOUR MONTH AT A GLANCE

Pick a month and see your income, spending, savings and what is left. Your 50/30/20 split (or your own rule) and short insights in plain words update by themselves.

YOUR WHOLE YEAR

All 12 months side by side, a chart of income vs. spending, totals per category and a forecast for the whole year.

PLAN AHEAD, CALMLY

- Bills: a simple paid checklist for every month

- Sinking funds: yearly costs split into small monthly amounts

- Savings goals: see what to save each month to reach each goal on time

- Debt payoff: snowball or avalanche, with your debt-free date and the interest you save

- Net worth: assets minus debts, once a month, with a chart

SIMPLE FROM DAY ONE

Choose your currency, give each category a monthly budget, then log what you spend – one row per expense. "Left to assign" shows when all your income has a job (zero-based budgeting). Dropdowns and an automatic mistake check keep everything tidy.

WHAT YOU GET

- Blank planner (.xlsx, 10 tabs)

- Example file with 9 months of sample data

- Quick-start guide (PDF, 2 pages)

WORKS WITH

- Microsoft Excel 2016 or newer (Windows and Mac), Excel for the web and the Excel app

- Google Sheets (free): upload the file to Google Drive and save it as Google Sheets

- Any currency: 16 built in, or type your own

- No macros, no add-ins, no subscription. Your data stays with you.

FAQ

Do I need Excel? No. The planner also works in Google Sheets, which is free.

Can I change the categories? Yes. Rename, add or delete them – there is room for 25.

Can I use it on my phone? Yes, in the Excel or Google Sheets app. Logging expenses works well on the phone; the dashboards are easiest to read on a bigger screen.

Can I use it again next year? Yes. Make a copy of the blank planner and change the year in Settings.

GOOD TO KNOW

For personal use only. Please do not share or resell the files. This is a budgeting tool, not financial advice. Questions? Email alpinebudget.shop@gmail.com