2027 Budget Spreadsheet Bundle, Annual Planner, Paycheck Plan, Side Hustle Income Tracker, Gift List

A 2027 budget spreadsheet bundle for Google Sheets and Excel: four planners in one download. The 2027 Budget Planner for the year month by month, the Paycheck Budget and Debt Payoff Planner for each payday, the 2027 Side Hustle Income and Expense Tracker for money from a second job, and the Holiday Gift and Budget Tracker for the gifts.

WHAT YOU DOWNLOAD

START-HERE-BUNDLE.pdf: which file is which, and how to open them.
1-2027-Budget-Planner.zip
2-Paycheck-Budget-Planner.zip
3-2027-Side-Hustle-Tracker.zip
4-Holiday-Gift-Budget-Tracker.zip
Each zip holds the blank file, the same file filled with a fictional example, and that product's own START-HERE.pdf with its setup steps. On a computer, double-click a zip to open it; on a phone, the Files app opens it with a tap.

This is a digital download; nothing is shipped. The Etsy app does not download digital files: sign in to Etsy in a web browser, open Purchases, then choose Download Files.

THE FOUR PLANNERS

2027 Budget Planner (20 tabs): a tab for each month with planned against actual for each category and a 150-row log, a year dashboard with a running balance and three year goals, a bill calendar (monthly, every 3 months, every 6 months or yearly), sinking funds, net worth, debt payoff and the 52-week savings challenge. The year is one cell, so it works again for 2028.

Paycheck Budget and Debt Payoff Planner (9 tabs): your next 26 paydays, each with the bills due before the next one and what is left to spend. Pay can be weekly, every two weeks, twice a month, monthly or irregular. Any home currency plus up to five others at rates you set, a monthly budget, a dashboard, a year summary, and a debt payoff plan by snowball, avalanche or your own order with a debt-free date.

2027 Side Hustle Income and Expense Tracker (7 tabs): one log for every amount, profit by month and by income stream, the amount to set aside at the rate you choose by month and by quarter, a mileage log and a year dashboard. It records and adds up what you type; it is not tax advice.

Holiday Gift and Budget Tracker (6 tabs): a gift budget for each person, every gift from idea to given with an order-by date, other holiday spending, and a summary against your total budget.

HOW IT WORKS

You type only in the cream cells. Every other cell calculates. In Excel and LibreOffice the sheets are protected so a formula cannot be overwritten by accident; there is no password, so you can unprotect any sheet. Google Sheets does not keep that protection when it converts a file, so there, keep to the cream cells.

WHAT IT DOES NOT DO

None of the files connects to a bank: you type each amount. They contain no macros, add-ons or links to other files. They are planning tools, not financial or tax advice; their results come from the numbers you type, and debt interest is estimated each month from the APR, so a lender's statements can differ.

WHAT YOU NEED

Google Sheets, which is free with a Google account, or Excel 2019 or later, including Microsoft 365, on Windows or Mac. Every file was recalculated and tested in LibreOffice Calc with no error in any cell, and the Paycheck Planner and the Gift Tracker were also opened and checked in Google Sheets. All four are built for Excel 2019 and later and for Google Sheets, and use only functions those apps share.

Microsoft Excel and Google Sheets are trademarks of their owners. These planners are not affiliated with or endorsed by Microsoft or Google.

The figures in the example files and in the photos are fictional.

ALSO IN THIS SHOP

Prefer an app on your phone? Kitsouk Budget is an offline budget app that shows what you can spend until payday, and it comes with the paycheck spreadsheet.

QUESTIONS

Can I buy one of them alone?
Yes. All four are also listed on their own in this shop.

Can I use them on my phone?
They are wide tables that read best on a computer or a tablet.

Do they work in Google Sheets?
Upload an .xlsx file to Google Drive, open it, and choose File, then Save as Google Sheets. For one-click copy links instead, email hello [!at] kitsouk.com.

Can I get a refund?
Digital downloads cannot be returned. If a file will not open, does not match this description, or the download fails, message me through Etsy or write to hello [!at] kitsouk.com. If I cannot fix it, I refund you, as long as you write within 14 days of your purchase.

How do I get help?
Write to hello [!at] kitsouk.com, or send a message through Etsy. Say which planner, which tab and what you see; a screenshot helps.

HOW THIS WAS MADE

The planners, their tests and this description were written with an AI assistant, under my direction. Before release each file's formulas were checked by automated tests in LibreOffice, with figures worked out separately. The photos are images of the actual example files, laid out with a script; no AI image generator was used.