2027 Budget Planner Spreadsheet for Google Sheets and Excel, Debt Snowball and Savings Goals Tracker

Take control of your money in 2027 with one simple spreadsheet. Type in your numbers and everything else is calculated for you: budgets, charts, debt payoff dates and savings targets.

Works in Microsoft Excel AND Google Sheets (free). Instant digital download.

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WHAT'S INCLUDED
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✔ Monthly Budget: pick any month and see planned vs. actual for every category, with progress bars. Over-budget items turn red.
✔ Annual Overview: all 12 months at a glance, yearly totals, % of income left over and charts.
✔ Expense Tracker: up to 1,000 transactions with dropdown categories.
✔ Debt Payoff Planner: up to 8 debts. Choose Snowball or Avalanche and see the month each debt is paid off, your debt-free date and total interest. Payments roll over automatically.
✔ Savings Goals: up to 8 goals with how much to save each month.
✔ Net Worth Tracker: assets vs. debts, month by month, with a chart.
✔ Fully customizable: up to 38 income and expense categories.

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YOU WILL RECEIVE
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• Blank planner (.xlsx)
• Example planner with sample data, so you can see how it works
• Quick-Start Guide (PDF)

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HOW IT WORKS
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1. Download the files after purchase (Etsy emails you a link; also in Purchases & Reviews).
2. Excel: just open the file. Google Sheets: upload it to Google Drive and click File → Save as Google Sheets.
3. Fill in the yellow cells. That's it!

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GOOD TO KNOW
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• This is a digital product: no physical item will be shipped.
• Requires Microsoft Excel 2010 or newer, Excel for Mac, Excel online or a free Google account.
• Not compatible with Apple Numbers.
• Prices are in US dollars ($) format.
• Created with the help of AI tools and checked by hand: every formula is tested
• For personal use only. Please do not share or resell the files.
• Due to the nature of digital downloads, refunds are not accepted, but if anything doesn't work, message me and I'll fix it.
• This planner is for personal organization only and is not financial advice.

Questions? Send me a message: I usually reply within 24 hours.