2027 Budget Planner Spreadsheet – Monthly Budget Template, Sheets & Excel

Plan every month of 2027 on its own tab and see the whole year on one dashboard.

$8 one-time. Works in Excel and Google Sheets. The file is yours to keep.

Why it helps

• Set your budget once: Feb-Dec copy January automatically, and you can change any month

• Log spending in each month tab and see budget vs. actual by category, with overspending in red

• See the year at a glance: planned vs. actual income and expenses, money left over and savings rate for every month

• Plan your debt payoff (snowball or avalanche) and savings goals in the same file

What you get

• Budget Plan: up to 39 income and expense categories, with an amount for every month of 2027

• 12 month tabs (Jan-Dec 2027), each with room for 200 transactions: Date, Description, a Category dropdown, Amount, plus a budget vs. actual summary with income, expenses, left over and an uncategorised check

• Annual Dashboard: month-by-month planned vs. actual, left over and savings rate, year budget vs. actual per category, average monthly expenses, best month, months overspent, debt remaining, months to debt-free, and a chart

• Debt Payoff: up to 15 debts, an Avalanche/Snowball dropdown and an extra monthly payment. The debt to pay first turns green, with months to debt-free, total interest, a chart and a month-by-month schedule.

• Savings Goals: target, saved so far, target date, needed per month and progress

• Instructions tab + 1-page Start Here PDF. The yellow DEMO rows are fictional.

How it works

1. Open the file in Excel, or upload it to Google Drive and choose File > Save as Google Sheets.

2. Enter January amounts on Budget Plan and adjust any month that differs.

3. Log transactions in each month tab.

4. Check the Annual Dashboard each month.

Good to know

• Estimates only, not financial advice.

• A file you keep: no subscription, no app account, no macros.

• Already own the Monthly Budget & Debt Payoff Planner? That one uses a single rolling log with a month picker. This one is dated for 2027, with 12 month tabs and a full-year dashboard.

Also see

• Holiday + 2027 Budget Pair ($10, adds the Christmas Gift & Holiday Budget Tracker): https://payhip.com/b/vniJ9

• Debt Snowball & Avalanche Tracker ($5, both methods side by side): https://payhip.com/b/59VyY

Questions? hirelinetemplates@mail.grokbot.com