2027 Budget Spreadsheet Google Sheets Excel | Annual Budget Planner, Yearly Budget Template, 12 Month Budget Tracker, Savings Rate

Plan your whole year of money in one file: every month, every category, then see where you are ahead or behind as 2027 goes.

This 2027 Annual Budget is a ready-to-use spreadsheet for Google Sheets and Excel. Type each category's monthly amount once and it fills all 12 months; change any month that is different, like holidays, travel or a yearly insurance bill. Log every payment and paycheck, and the Actual tab shows real amounts for every category and month next to what you planned so far. Months compares planned and actual income, spending and savings for each month, with months over plan in coral. The Dashboard shows income, spending and savings so far, your savings rate, what is left in the year plan and month-by-month charts. Pick any year in Setup, it is set to 2027. Type in the yellow cells; everything else is calculated for you.

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WHAT'S INSIDE (FULL VERSION, 7 TABS)
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• Start Here: quick setup guide
• Dashboard: income so far, spent so far, saved so far, savings rate, planned for the year, left in the plan, this month, months over plan, charts, top categories
• Plan: up to 40 income and spending categories x 12 months, type once and change any month, with year totals
• Transactions: up to 1,500 payments and paychecks with category and account, type detected from the category
• Actual: real amounts by category and month, year so far, planned so far and the difference
• Months: planned vs actual income and spending, saved, savings rate and over or under plan for every month
• Setup: budget year, report date, savings goal and lists

A tab bar at the top of every page lets you jump between tabs in one click.

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YOU GET 4 FILES
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• Full version with sample data (see it working)
• Full version, blank
• Lite version (6 tabs: Start Here, Dashboard, Plan, Transactions, Actual, Setup) with sample data
• Lite version, blank

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HOW IT WORKS
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1. Download the .xlsx files after purchase.
2. Google Sheets: upload to Google Drive, open, then File > Save as Google Sheets.
Excel: open the file and click Enable Editing.
3. Pick your year in Setup and fill in the Plan (about 15 minutes), then log your money as it comes.

Works in Google Sheets (free) and Microsoft Excel (desktop and Microsoft 365). Not for Apple Numbers.

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LIFETIME UPDATES + FREE SMALL CHANGES
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Every improvement I make is yours for free: just download the files again from your Etsy purchases.
Need one small change? An extra column, your currency, more rows, a renamed category. Message me after your purchase and I will make it for you, free. I reply within 24 hours.

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PLEASE NOTE
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• This is a digital download. No physical item will be shipped.
• Numbers help you plan, they are not financial advice.
• Due to the digital nature of the product, I do not accept returns, but message me and I will help with any issue.

Designed by Albina at HomeBizPaperwork. Built with the help of AI tools and my own scripts, then checked in Google Sheets before every release.