Couples Budget Planner 2027, Google Sheets & Excel Budget Spreadsheet, Monthly Budget Tracker, Bill Tracker, 10 Languages

One budget for the two of you. Log every purchase, tick bills as you pay them, and the dashboard shows what is left this month, how much you can spend per day, and who spent what.

WHAT YOU SEE ON THE DASHBOARD
• Income, spending and what's left for the month you pick
• Safe to spend per day, with unpaid bills already taken out
• 9 envelopes with plan vs actual (rename them, change the amounts)
• Where the money went: a donut chart by envelope
• Who brought in and who spent what, as a split between the two of you
• Spending calendar: every day of the month, brighter means more
• Bills for the month: paid ✓ or still to pay, with the total still due
• Savings goal jar that tells you when you'll reach your goal at your current pace

WHAT'S INSIDE
Dashboard · Spending · Income · Bills · Year · Settings · How to use

10 LANGUAGES IN ONE FILE
English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी. Pick a language under the month and every label, month and weekday switches. Arabic comes as a separate right-to-left file in the same purchase.

ANY CURRENCY
Pick yours in Settings: $, €, £, ₹, zł, R$, ₪, ¥ and 27 more. Every amount in the file uses it.

FOUR LOOKS, ONE PURCHASE
Night (dark), Garden (light), Pastel (soft lavender) and Emerald (deep green): all four are in your download, with the same formulas in every look.

BILL REMINDERS ON YOUR PHONE
Next to each bill there is a «📅 to calendar» link. Click it and the bill repeats every month in Google Calendar, with a reminder the day before.

CELLS THAT CAN'T BREAK
Only the cells with a gold line can be clicked and changed. Formulas are locked (no password), so nothing gets deleted by accident.

WHAT YOU GET
Instant download: a START HERE guide (PDF) and two ZIP archives (Excel + Arabic, and Apple Numbers) with a folder for every app:
1 Excel: Night, Garden, Pastel and Emerald for Microsoft Excel on Windows and Mac. Every file opens on your empty planner, with a filled Example tab right after it
2 Apple Numbers: the same 4 looks, each with the Example, for Numbers on Mac, iPhone and iPad
3 Arabic: right-to-left files (all 4 looks, each with the Example)
4 App: the same planner as an app for any computer (Chrome, Edge, Safari, Firefox), plus a link to install it on your phone (iPhone, iPad, Android). Works without internet, keeps entries on your device, backup file, transfer to another device with a short series of encrypted QR codes (very large planners use the backup file), and import and export with your Envelo Excel file. Protected by ZeroUpload: the app works on your device, and your entries are never uploaded.
Google Sheets: the START HERE guide has a button for every look. One click makes your own private copy.

WHICH FILE SHOULD I USE?
• Windows PC: the Excel files, or Google Sheets in your browser.
• Mac: Excel for Mac, Apple Numbers, or Google Sheets in Safari or Chrome.
• iPhone, iPad, Android: the Google Sheets app, or Apple Numbers on iPhone and iPad.
In Excel only the cells you type in can be changed. In Google Sheets the formulas are protected: Google warns you before anything changes. In Apple Numbers the Dashboard and Year tables are locked as a whole, and on iPhone and iPad you can add spending through a Numbers form.

WORKS WITH
Google Sheets (free), Microsoft Excel 2016 or newer and Microsoft 365, Apple Numbers on Mac, iPhone and iPad.

PLEASE NOTE
• This is a digital download. Nothing will be shipped.
• Decorative illustrations and the laptop backgrounds in the photos were made with AI image tools. Every planner screen you see is the real file.
• The 2027 edition covers January to December 2027. The 2028 edition comes out before the new year.
• For personal use. Please don't resell or share the files.
• Your planner starts empty. The Example tab in the same file (a month for Emma and Liam with spending, income, bills and a savings goal) shows how it works.

Questions? Send us a message on Etsy.