2027 Annual Budget & Sinking Funds Planner (.xlsx)

Plan all of 2027 in one file: a budget for every category and month, a log of what you actually spend, and sinking funds for the big costs you save up for.

SAVE WITH THE BUNDLE: this file is also in the 2027 Money Bundle, $15 for all 6 spreadsheets ($37 if bought one by one, so you save $22): https://payhip.com/b/lr2gf

What's inside:

- Budget: up to 40 categories in four groups (Income, Needs, Wants, Savings & debt). Type a usual monthly amount, and change any single month that's different, like holiday groceries or a yearly bill.

- Transactions: one list for the whole year (1,000 rows) with a category dropdown. Refunds can be negative. A check column flags missing info and dates outside the budget year.

- Monthly: plan vs. actual for all 12 months, money left over, and a running balance from your Jan 1 amount.

- Month View: pick a month to see every category's plan, actual and status (OK or Over).

- Year Grid: actual spending by category for every month.

- Sinking Funds and Fund Log: up to 15 funds with goal, target date, deposits, withdrawals, balance, progress and how much to save per month to hit each goal.

- Dashboard: the year at a glance, needs, wants and savings as a share of income, how you're doing against plan so far, and sinking-fund totals.

- Instructions tab first, dropdowns, locked formula cells and a layout designed for small screens. Change the year on Setup to reuse it in 2028.

Who it's for: Anyone who wants to plan a full year of money, see where it actually went each month, and save ahead for car repairs, holidays, trips and yearly bills.

Not financial advice. The file only does math on the numbers you type in.

Everything is typed in by hand. There is no live data and no account connection. The sample data is made up, so you can delete it and enter your own.

Format: one .xlsx file. Open it in Excel, or upload it to Google Sheets. It uses only standard formulas that both support. No macros, no add-ons, no links to other files.

Delivery: instant download after checkout. The download link is also in your receipt email.

Questions or a problem with the file? Use this store's Contact page, or email the address in your receipt. If the file doesn't work for you, we'll fix it or refund you.

License: personal use. Use it for yourself and your household. Please don't resell, share or re-upload the file.

Built and tested with AI assistance.