2027 Budget Spreadsheet – Paycheck Budget, Debt Snowball, Sinking Funds, Net Worth & Savings Goals Tracker

Launch price: use code BUDGET2027 at checkout for 30% off – you pay $9.09 instead of $12.99. Valid until 15 January 2027, 23:59 (CET). From 16 January 2027 the price is $12.99. One code per order.

Take control of your money in 2027 with one connected budget spreadsheet. Log your income and expenses once, and the planner fills in your monthly budget, your annual overview and a dashboard with charts automatically.

Plan every paycheck, pay off debt with the snowball or avalanche method, track your net worth, hit your savings goals and plan for yearly bills with sinking funds, all in one file.

WHAT'S INSIDE (11 TABS, 8 CHARTS)

• Start Here – a step-by-step setup guide for every tab, plus tips.

• Dashboard – your year at a glance: income, expenses, savings rate, net worth, debt-free month, goal progress and your top 5 expenses, plus 3 charts.

• Settings – choose your currency symbol and year, and edit up to 25 income and expense categories.

• Monthly Budget – planned vs actual for every category, January to December, with red/green highlights.

• Paycheck Budget – paid biweekly or monthly? Enter your first payday and take-home pay, and the planner lists every 2027 payday (including the months with 3 paychecks), assigns each bill to the paycheck that covers it and shows what's left to spend from each one.

• Annual Overview – monthly totals, yearly savings rate and an income vs expenses chart.

• Transactions – a 1,000-row log with dropdown categories; the month is filled in for you.

• Debt Payoff – up to 10 debts. Pick Debt Snowball (smallest balance first) or Avalanche (highest interest first), add an extra monthly payment, and see each payoff month, the interest you'll pay, your debt-free month and a chart of your total debt remaining.

• Net Worth – track what you own and what you owe at the end of each month, with a net worth by month chart.

• Savings Goals – up to 8 goals with target dates, the monthly amount you need, progress bars, an on track / behind status and a chart.

• Sinking Funds – list your yearly or irregular bills (insurance, gifts, car service, subscriptions) with their cost and due month, and see how much to set aside each month, the money in each fund month by month and your monthly total, plus a chart.

GOOD TO KNOW

• One .xlsx file, no macros, no add-ins. Works in spreadsheet apps that open .xlsx files (tested in LibreOffice Calc); some formatting may vary.

• Comes with clearly marked sample rows so you can see how it works; delete them and add your own.

• Uses the currency symbol you choose in Settings (it does not convert currencies).

• Digital download: you receive one .xlsx file. Nothing physical is shipped.

• For personal budgeting only; this is not financial advice.