2027 Budget & Goals Planner – Google Sheets & Excel + Printables (Letter & A4)

Start 2027 knowing where your money goes, what you're saving for and when each debt will be gone. One spreadsheet holds your budget, your savings goals, your debts, your bills and the goals that aren't about money.

It's ready to use in Google Sheets and Excel, and comes with 12 printable pages for anyone who'd rather plan with a pen.

What it does

• Setup: list your income, rename the spending categories, sort each into Needs, Wants, Savings or Debt and type a monthly budget. Change the 50/30/20 targets if you use a different split.
• Transactions: one row per paycheck, bill or purchase, with a category dropdown. Paying into a savings goal or a debt? Pick it from a second dropdown and that tab updates too.
• Monthly Overview: fills itself in. Every category for every month, with year totals, plan vs. actual, money left over and your savings rate.
• Dashboard: the year so far, a 50/30/20 check and a month view. Pick a month and see each category's plan, spending, what's left and a progress bar.
• Savings Goals: a target and deadline for each goal. It shows progress, months left and how much to put aside each month.
• Debt Payoff: balance, rate and payment for each debt. It works out months to pay off, an estimated debt-free month and both the avalanche (highest rate first) and snowball (smallest balance first) order.
• Bills: due day, amount and a Paid tick for every month.
• Life Goals: up to 20 goals for health, work, home, family and more, with a status for each quarter.

What you get

• Blank planner (.xlsx)
• Example planner with sample data, so you can see how everything works
• 12 printable pages in US Letter and A4: 2026 look back, 2027 at a glance calendar, goals by life area, goal action plan, monthly budget, expense log, bill tracker, savings goal tracker, debt payoff tracker, no-spend challenge, habit tracker and monthly check-in
• Quick-start README

Good to know

• No macros and no add-ons. Works in Google Sheets (File → Import), Excel for Windows, Mac and the web, and opens in LibreOffice/Numbers.
• Set up for 2027. Change the year on the Setup tab to use it again in 2028.
• This is a planning and tracking tool, not financial advice. Payoff dates are estimates based on the rate and payment you type.
• Instant digital download. Nothing is shipped.

License: personal use only. Please don't resell, share or redistribute the files.

Refunds: because this is a digital download, sales are final. If a file won't open or something is broken, contact me through the link in your receipt and I'll fix it or refund you.