2027 Budget Planner Spreadsheet, Monthly Budget Template with Savings & Debt Tracker

Plan your whole 2027 and track every month in one calm file. This is a digital 2027 Budget Planner spreadsheet (instant download): an Excel .xlsx with a 2-page Start Here PDF, ready to use in Microsoft Excel and Google Sheets.

Plan the year, log your spending, tick off bills, watch savings and debt progress, and see income vs spending on a dashboard. Made for individuals, couples and families, including payday budgets (your budget month can start on any day from 1 to 28). Sample data for a made-up household is included. Nothing is shipped.

WHAT'S INSIDE (21 tabs)
• Start: 3 first steps, clickable tab list and the cells to clear when you begin
• Dashboard: 6 live tiles (income, spent and saved year to date, savings rate, months over budget, debt-free month), an income vs spending chart, top 5 spending categories and savings goal progress
• Settings: household name, year, currency symbol, month start day (1-28), planner date, snowball or avalanche, and category lists (5 income, 10 bills, 10 spending, 4 savings, 4 debt)
• Annual Plan: planned amount per category x 12 months, year totals, actual so far and a zero-based "left to assign" check for every month
• JAN to DEC: 12 identical month tabs with planned vs actual and progress bars, a bills checklist with due day and paid tick, left to spend, savings rate and a 40-line spending log with category drop-down
• Savings Goals: 6 goals with target, date, monthly amount needed and a progress bar
• Sinking Funds: 8 funds for known bills with the monthly contribution
• Debt Payoff: up to 8 debts, snowball or avalanche order, payoff month per debt
• Bills Calendar: 10 bills by due day with a 12-month paid / late grid
• Net Worth: start of year plus 4 quarterly snapshots of assets and liabilities

HOW IT WORKS
1. Open Settings: add your name, currency and category names.
2. Fill the Annual Plan until "left to assign" is zero.
3. Each month: type income and bills, tick bills as paid, log everyday spending.
4. Read the Dashboard, update goals, funds, debts and net worth.

YOU RECEIVE
• NordicPaperCo-2027-Budget-Planner.xlsx (1 Excel file, 21 tabs, formulas, drop-downs and conditional formatting, no macros)
• NordicPaperCo-2027-Budget-Planner-Start-Here.pdf (2 pages, A4: what's inside, first steps, import steps for Excel, Google Sheets and LibreOffice, how to clear the sample data)
Every tab is set to print one page wide on A4 or US Letter.

WORKS IN
• Microsoft Excel 2019, 2021, 365 and Excel online
• Free Google Sheets: upload the .xlsx and choose Save as Google Sheets. Steps are in the PDF. Colours and the chart may look slightly different
• LibreOffice Calc opens it fully
• Apple Numbers opens it, but some drop-downs or formatting may change, so Excel or Google Sheets is recommended

FAQ
Does it work for other years? Yes. Change the year on Settings and retype the plan. The sample data is for 2027.
Can I use my own currency? Yes. Type any currency symbol on Settings.
Can I start with a blank file? Yes. The Start tab and the PDF list the white cells to clear. Keep the grey formula cells.
Does it know today's date? The sample planner date is 15 Mar 2027. Clear it on Settings and the planner uses today.
Does it connect to my bank? No. You type your numbers, so nothing is shared with anyone.
Does it pair with other Nordic Paper Co files? It is a standalone file. It also pairs well with our ADHD Budget, Christmas Budget, 2027 Calendar, 2027 ADHD Planner and 2027 Goal Workbook.

PLEASE NOTE
• This is a digital product. Nothing is shipped. You get an instant download after purchase.
• For personal or household use. Please do not resell, share or redistribute the file.
• Mockup images show sample data. Colours may look slightly different on your screen.
• Disclaimer: a budgeting tool, not financial advice. It does not treat or diagnose anything and does not replace a qualified adviser.

Designed by Nordic Paper Co. AI tools were used to help write the formulas, layout code and this text; every sheet was built, tested and checked by me.