2027 Budget Planner Spreadsheet, Annual Budget Template for Google Sheets & Excel, Monthly Budget, Sinking Funds, Net Worth Tracker

Plan all of 2027 in one spreadsheet: a monthly budget tab for every month from January to December 2027, a yearly dashboard that adds it all up, sinking funds for the big stuff, and a quarterly net-worth snapshot. Works in Google Sheets and Excel with no formulas to touch.

WHAT'S INSIDE
• Dashboard: income so far, spent so far, left over, the share of income you kept, sinking-fund total and latest net worth; a month-by-month table with a chart of income vs spending; and a "where the money went" table with each category's year budget, spent so far and every month side by side.
• Settings: up to 8 income sources and 25 spending categories, each with a monthly amount. Rename them to fit your life.
• 12 month tabs, dated January–December 2027: log each paycheck and payment (date, description, category from a drop-down, amount). Income and spending tables fill in by themselves, with budget, spent and left per category; "left" turns red when a category goes over. An Adjust (+/−) column handles one-off changes, like a bigger December gift budget. A check line shows any entry that doesn't match a category.
• Sinking Funds: up to 12 goals (emergency fund, vacation, car repairs, holiday gifts, insurance) with a goal, target month, monthly deposits, % funded, still needed and how much to save per month to get there.
• Net Worth: assets and debts on Jan 1, Apr 1, Jul 1, Oct 1 and Dec 31, 2027, with net worth and change since January.

YOU RECEIVE (instant download)
• Excel file (.xlsx), Windows and Mac. Opens in Google Sheets too.
• PDF quick-start guide for Google Sheets.
• Start Here tab with 5 set-up steps and sample data you can clear.

HOW IT WORKS
1. Download, then open in Google Sheets (see the PDF) or Excel.
2. On Settings, add your income and a monthly budget for each category.
3. Each month, log what comes in and goes out. The month tab and the Dashboard update on their own.

COMPATIBILITY
Google Sheets (free Google account) and Microsoft Excel on Windows and Mac. Set-up is easiest on a computer; add entries on your phone in the Sheets app. Not designed for Apple Numbers.

LICENSE
Personal use. Please don't resell, share or redistribute the files.

FAQ
Refunds: digital files can't be returned once downloaded, but if anything doesn't work as described, message me and I'll fix it, usually the same day.
Currency: shows $, works for any currency.
Is it a printable? It's a spreadsheet: every total and chart is calculated for you. You can still print any tab.
Support: message PlanfulPanda on Etsy. Replies within one business day.

Templates are budgeting tools, not financial advice. Not affiliated with or endorsed by Google or Microsoft.

Designed by PlanfulPanda with AI-assisted tools; every formula and layout is checked before listing.