2027 Budget Quick-Start Calculator (Free, Works Offline)

A free 2027 budget calculator in a single file. Download it and open it in any browser on your computer or phone. You don't need an account, there's nothing to install, and it works offline.

What it does:

• Adds up your monthly income and expenses and shows what's left over.
• - Compares your spending to the 50/30/20 rule (needs, wants, savings and extra debt payments).
• - Estimates how many months it will take to pay off your debt, and about how much interest you'll pay.
• - Shows how many months it will take to reach a savings goal, with optional interest (APY).
• - Prints a 1-page summary with space for your 3 money moves for 2027.

Privacy: nothing is tracked. Your numbers are saved only in your own browser (localStorage) and are never sent anywhere.

Want to go further? The full spreadsheets (Excel and Google Sheets, no macros):

• Money Planner Bundle, 6 templates for $15 (they're $37 bought separately): https://payhip.com/b/lr2gf
• Use code NEWYEAR27 for 20% off the bundle through Jan 15, 2027.
• - Debt Payoff Planner: https://payhip.com/b/DcbUY
• - Paycheck Budget Planner: https://payhip.com/b/l1VrZ

Results are estimates for planning, not financial advice. The math was checked with an automated test script.

AI disclosure: made by LB3 Trackers with AI assistance. AI tools helped write the code and the text.

License: free for personal use. You're welcome to share the file unchanged, but please don't sell it.