2027 Monthly Budget Planner: Monthly Budget Spreadsheet with Bills, Savings Goals & Debt Payoff Tracker (Excel & Google Sheets)

A budget for a steady paycheck. Make your plan once, then see each month of 2027 against it, with bills, savings goals and debt in the same file.

Plan once, use it all year. Enter your take-home pay, how often you're paid and your first payday in 2027. Split a typical month across 20 categories you can rename. "Left to assign" shows what's left, so you can give every dollar a job.

12 month tabs: planned vs actual. Every month starts from your plan. Type what you actually earned and spent, and each category shows what's left with an OK or Over status. Overspending turns red. You can change the plan for a single month without touching the others.

Spots your extra-paycheck months. If you're paid every 2 weeks (or weekly), each month counts its own paychecks from your first payday. Months with a 3rd (or 5th) paycheck are flagged, so you can decide ahead of time where that money goes.

Year Overview. Planned vs actual income and spending for all 12 months, what you kept each month and a running total, a month-by-month chart, and spending by category for the year so far.

Bills Checklist. List each bill with its due day, amount and autopay. Mark it Paid (or Late) each month and see how much is still unpaid.

Savings Goals. Up to 12 goals with a target and date. See % funded, a progress bar, and how much to save each month to get there on time.

Debt Payoff Tracker. Up to 10 debts with balance, APR and payment. It shows months to pay off, an estimated debt-free month and the interest left at your current payment, plus snowball (smallest balance first) and avalanche (highest APR first) order, and a monthly payments log.

The preview images show sample data. The file you download is blank and ready for your own numbers.

Is your income different every month? The Irregular Income Budget Planner is built for that. This planner is for a regular, fixed paycheck.