2027 Budget Planner Spreadsheet, New Year Monthly Budget Template for Google Sheets & Excel, Yearly Budget Dashboard, Income Expense Tracker

Start 2027 with your whole year of money in one place. Plan a normal month once, then just log what came in and what you spent each month. This 2027 Budget Planner adds up your income, expenses and savings by itself, fills a yearly dashboard with charts, ranks your top spending and flags any category that goes over plan. It works in Google Sheets and Microsoft Excel, and it's an instant digital download.

A note on how it's made: this planner was designed with the help of AI tools, then built, formatted and tested by hand. The formulas were checked against an independent calculation in 33 real-life scenarios. These included empty months, a mid-year start, refunds typed as minus numbers, zero and very large amounts, text typed where a number goes, a different plan for one month, overspending in every category and a cleared copy.

✿ MADE FOR REAL LIFE, NOT SPREADSHEET EXPERTS
• You only type in the blush-colored cells. Everything else adds up by itself
• Plan once on My Budget, and all 12 months fill in
• Plain English notes like "Nice: $172 left over" on every month
• A Common Questions box right on the first tab
• Empty months don't break anything: no error codes, just blanks
• Formulas are locked in Excel so nothing breaks by accident (in Google Sheets, just type in the blush cells)

✿ WHAT'S INSIDE: 4 SIMPLE TABS

1. START HERE: Your year, 3 easy steps, cards for your year so far (income, spent, saved, left over) and a "what to do next" line.

2. DASHBOARD: Your 2027 at a glance: totals, savings rate, a month-by-month table, two charts, your top 10 spending categories and every category planned vs. spent.

3. MY BUDGET: Plan a normal month: 8 income lines, 30 expense categories and 8 savings goals. A live check tells you if every dollar has a job.

4. JAN TO DEC (12 TABS): Type what came in and what you spent. Planned amounts fill in from My Budget, with a Change plan column for one-off months. Progress bars, "over by" amounts and a monthly note.

✿ SMART LITTLE TOUCHES
• Over-plan rows turn red and show exactly how much you went over.
• Refunds welcome: type a minus number and the totals stay right.
• Change any one month's plan (holiday gifts, a car repair) without touching the rest.
• Your savings rate and best month for leftover money are worked out for you.
• Rename any category by typing over it, and it updates everywhere.
• Type 2028 next year and the whole planner moves with it.

✿ WHAT YOU RECEIVE
• Neatly_Planned_2027_Budget_Planner_BLANK.xlsx: ready for your details
• Neatly_Planned_2027_Budget_Planner_SAMPLE.xlsx: a filled-in example to explore
• How_To_Use_2027_Budget_Planner.pdf: a 2-page setup guide

✿ WORKS WITH
• Google Sheets (free) and Microsoft Excel for Windows and Mac (Excel 2016 or newer, or Microsoft 365)
• Check your budget on your phone in the free Google Sheets or Excel app (setting up is easiest on a computer or tablet)
• No macros, add-ins or subscriptions

✿ HOW TO USE IT
Google Sheets: open Google Drive, click New › File upload and choose the BLANK file. Open it, then click File › Save as Google Sheets.
Excel: double-click the file. If you see "Enable Editing," click it.
Then follow the 3 steps on the Start Here tab.

✿ GOOD TO KNOW
• This is an INSTANT DIGITAL DOWNLOAD. No physical item will be shipped.
• Your files are available right after purchase from your Etsy Purchases page (You › Purchases and reviews).
• The names and amounts in the SAMPLE file are made up for illustration.
• This is a planning tool, not financial advice. It doesn't connect to your bank.
• For personal use only. Please don't share, resell or redistribute the file.

✿ RETURNS & REFUNDS
Because this is a digital file you get instantly, we can't accept returns, exchanges or cancellations. If anything isn't working, please message us through Etsy and we'll make it right.

Designed with the help of AI tools, and built and tested by hand by Neatly Planned Sheets.

✿ Pairs well with: our Zero-Based Budget Planner, Sinking Funds Tracker and 2027 Bill Calendar