2027 Small Business Goals & Budget Planner Spreadsheet

2027 small business budget planner and goal planner spreadsheet for Excel and Google Sheets. Track cash flow, budget vs actual and profit on one dashboard.

A budget helps most when you check it against what really happened. This workbook puts both side by side. You set your goals, build a monthly budget and log what comes in and goes out. The other tabs do the math.

WHAT'S INCLUDED (9 tabs)

- Start Here: Step-by-step setup, a color guide (teal cells are where you type, white cells hold formulas) and the disclaimer.

- Setup: Business name, starting cash, a low-cash warning level, and your own income and expense categories. Those categories feed the dropdowns everywhere else.

- 2027 Goals: Up to 6 annual goals with quarterly milestones. Revenue, profit and savings goals track progress on their own. Customers and Custom goals need you to type in the progress yourself.

- Annual Budget: Income and expenses by category, month by month, January through December.

- Monthly Actuals: A transaction log with about 200 rows. Pick a date, category and type from the dropdowns, enter the amount, and the month fills in for you.

- Budget vs Actual: Budget, actual and the difference for every month, so overspending shows up early.

- Cash Flow: Beginning cash, cash in, cash out and ending cash for each month, checked against your low-cash warning.

- Quarterly Review: Revenue, expenses, profit and goal progress for Q1 through Q4, plus space for notes each quarter.

- Dashboard: Year-to-date revenue, expenses, profit, profit margin and current cash, with a monthly chart and goal progress at a glance.

HOW IT WORKS

- Opens in Microsoft Excel or Google Sheets. No macros, no add-ins.

- Comes filled with sample data so you can see how it works. When you're ready, clear the sample data in one step: select the named range SAMPLE_DATA and press Delete. The formulas stay in place.

- Type in the teal cells only. Everything else updates automatically.

INSTANT DIGITAL DOWNLOAD

You get the file as soon as checkout is done. Nothing ships. For personal or single-business use.

Pair it with the Mileage & Quarterly Tax Tracker or the Digital Product Profit Calculator, and see the rest of the small-business tools at reconciledbooksco.com.

PLEASE NOTE

This planner is an organizational tool, not tax or legal advice. For tax, legal or accounting decisions, talk to a qualified professional.