Monthly Budget Spreadsheet 2027, Excel Budget Template with Debt Payoff, Savings Tracker and Net Worth, Annual Overview

A budget spreadsheet for the year 2027 that does the math for you. Plan your year once, type what you spend, and see where your money goes, month by month and for the whole year.

WHAT YOU GET
- arling-budget-planner-2027.xlsx: blank, ready for your numbers
- arling-budget-planner-2027-sample.xlsx: an example household filled in from January to September, so you can see every sheet with real numbers first
- Quick start guide (PDF, 3 pages): opening the file in Excel or Google Sheets (with a Make a copy link), the first steps, common questions

13 SHEETS
- Start here: 6 steps, a link to every sheet, answers to common questions
- Settings: year, first month, currency symbol, how often you are paid, up to 4 people
- Transactions: one plain table, one row per payment, category from a drop down list
- Monthly: pick a month, see plan against actual for every group and category
- Dashboard: the whole year: income, outflow, saved, debt paid, left over, savings rate, 4 charts, top 5 spending categories, spending by person
- Annual: every category for 12 months, with the year plan and the difference
- Budget plan: your categories (up to 60) and how much you plan for each
- Bills: bills and subscriptions, typed once, added to every month they are due, marked Paid, Due or Late
- Paychecks: every payday of the year and the bills due before the next one
- Savings: goals and sinking funds with progress bars and how much you need per month
- Debt payoff: up to 10 debts with interest rate (APR): snowball and avalanche side by side, debt free month and total interest for each
- Net worth: account balances at the end of each month, with a chart
- Calc: the helper calculations, visible and locked, so every number can be traced

HOW IT WORKS
- You type in the white cells. Gray cells are calculated and locked without a password, so nothing breaks by accident. One click (Review, Unprotect Sheet) unlocks them.
- Bills are typed once and repeat on their own. A plan per category is typed once for every month; a different amount in one month goes in that month's column.
- Transactions has no formulas at all: sort it, filter it, add rows anywhere.
- Data check on the Dashboard counts rows with a missing category, dates outside the year, amounts typed as text and more, and checks that the totals add up to the cent. It says All good or tells you what to fix.
- Any currency: type your symbol in Settings. Any first month: the year can start in July if yours does.
- Use it again next year: change the year in Settings and clear Transactions. The guide lists every step.

WORKS IN
Microsoft Excel 2016 or newer (tested on Windows) and Google Sheets (File, Import, or the Make a copy link in the guide). No macros, no scripts, no add ins.

HOW WE TEST IT
Before release the file is recalculated in Microsoft Excel. All 38,994 formula cells show no error, and 7,121 of them are compared with a separate calculation written from scratch. The pictures in this listing are drawn from the example file.

ALSO FROM ARLING
- Paid every two weeks and want to plan bill by bill? Paycheck Budget 2027: https://www.etsy.com/listing/4583520051/paycheck-budget-spreadsheet-for-excel
- Budgeting as a couple? Couples Budget 2027 tracks who paid, for whom, and who owes whom: https://www.etsy.com/listing/4583542817/couples-budget-spreadsheet-for-excel

GOOD TO KNOW
- This is a digital download. Nothing is shipped.
- Bank accounts are not connected. You type your transactions (or paste them from your bank's export into the Transactions columns).
- Made for a computer screen. We have not tested Excel for Mac, phone and tablet apps, Excel for the web or Apple Numbers yet. In Google Sheets every calculated value matched Excel in our test (34,720 number cells).
- Text and labels are in English.
- The file is a tool for your own records. It is not financial advice.
- Questions or a problem with the file: send us a message and we will help.

Digital download only; no physical item will be shipped. For EU consumers, the statutory right of withdrawal is lost when the supply of digital content begins only if you have expressly consented to immediate supply, acknowledged the loss of that right, and the legally required confirmation has been provided. This does not affect your statutory rights if the files are faulty or not as described, or any applicable Etsy Purchase Protection. If you have trouble accessing or using your purchased files, please send us an Etsy Message with your order number, file name and a description of the problem. We will help you resolve it. Please do not send card or payment details.

The spreadsheet, its formulas and texts were built with the help of AI tools, and the listing images and video are rendered in code.