Budget Spreadsheet 2027 for Excel: Monthly Planner, Debt Snowball, Savings Goals and Bill Tracker

Plan 2027 with one clean Excel file: your budget, every transaction, savings goals, debt payoff and recurring bills, all linked. You type in what you earn and spend; the spreadsheet does the maths.

WHAT YOU GET
• 1 Excel file (.xlsx) with 9 linked sheets: Instructions, Settings, Transactions, Monthly, Dashboard, Savings Goals, Debt Payoff, Payoff schedule, Bills
• Step-by-step instructions inside the file and example rows to overwrite
• 1,500 transaction rows ready to use

WHAT IT CALCULATES
✔ Budget vs actual for 20 editable categories, month by month, with the difference and a % used bar
✔ Dashboard: yearly income, expenses, savings and savings rate, a month selector, an income vs expenses chart and your top spending categories
✔ Savings goals: progress bar and how much to set aside each month to reach your target date
✔ Debt payoff for up to 10 debts: snowball or avalanche order, months until debt-free and total interest (estimate), compared with paying minimums only, plus a month-by-month payoff schedule for both methods
✔ Bill tracker: monthly, quarterly, half-yearly or yearly bills with due day and a 12-month paid checklist
✔ Your currency symbol: $, £, € or any other

HOW IT WORKS
1. Settings: set the year, currency symbol, your categories and a monthly budget
2. Transactions: log income and expenses, picking category and type from dropdowns
3. Monthly and Dashboard update automatically

LIMITS
• Entries are typed or pasted in; there is no bank connection
• One year per file: for 2028, save a copy and change the year
• Debt payoff is a simplified estimate (fixed rate, fixed payments, no new charges)
• Formulas tested by full recalculation in Excel for Microsoft 365; calculations also checked in Google Sheets. No macros.

⚠ Digital download: nothing will be shipped. This template helps you organise your money; it is not financial advice.