2027 Monthly Budget Spreadsheet

The only thing you have to type is your take-home pay. This 2027 budget spreadsheet splits it across 12 categories using a typical needs / wants / savings plan, then shows you every month exactly where your money went.

WHAT YOU GET

• Dashboard: pick a month to see income, spending, what's left, savings, savings rate and savings so far this year, with a progress bar for every category
• Plan: type your pay once and it's split for you. Rename any category or change any %. It checks that your plan adds up to 100% and shows your needs / wants / savings mix
• Monthly Totals: once a month, type one total per category straight from your bank or card app. About 2 minutes a month
• Transactions (optional): rather log purchases as you go? Log them here. Both count
• A chart of income, spending and savings for the whole year
• Checks in plain words: spent more than you made, which categories are over, whether you hit your savings goal

HOW IT WORKS

1. Type your monthly take-home pay.

2. Once a month, type one total per category.

3. Pick the month on the dashboard. Everything updates.

FORMAT

Excel (.xlsx). Works in Google Sheets (free) and Microsoft Excel. Opens with sample data so you can see it working; clear it in seconds. Formulas are protected (no password), so nothing breaks while you type. Instant download.

WHO MADE THIS

Built by someone who develops pricing and financial models for multi-million-dollar enterprise contracts for a living. Same discipline, made simple for your household budget.

GOOD TO KNOW

• Digital download: nothing is shipped.
• For personal use. Please don't resell or share the file.
• For planning only, not financial advice.
• Questions? Message the shop or email tidyrate@outlook.com.