2027 Budget Spreadsheet and Debt Payoff Tracker, Excel Template, Paycheck Budget, Debt Snowball, Savings Goals, Net Worth

Seller's description

Take control of your money in 2027 with one simple spreadsheet. Plan your budget, log what you spend, see which paycheck covers each bill, pay off debt with the snowball or avalanche method, and watch your savings goals fill up.

WHY THIS ONE
Formulas locked in Excel, so a stray keystroke cannot wipe a total. Unprotect any tab, no password.
Snowball and avalanche side by side: your debt free date and total interest for both, with a month by month schedule for each.
12 tabs, each with one clear job, and a Start Here tab that walks you through.
Tested before release against an independent calculation, including unusual entries.

WHAT IS INSIDE
Monthly budget: plan every category for each month of 2027.
Transaction log: pick a category from the dropdown and type the amount. Everything else fills in by itself.
Monthly dashboard: choose a month to see planned versus actual, your savings rate and charts.
Annual overview: every category for the whole year, with totals and a chart.
Paycheck planner: enter your pay days and bills and see which paycheck pays each bill.
Debt payoff planner: up to 10 debts. See your debt free date, the interest you would pay, and snowball versus avalanche side by side.
Month by month payoff schedules for both methods.
Savings goals: progress bars and how much to save each month to reach each goal by its date.
Net worth tracker: what you own minus what you owe, month by month, with a chart.

EASY TO USE
Yellow cells are for typing. Everything else updates by itself.
In Excel, formulas are protected so you cannot break them by accident (you can unprotect any tab, no password).
A Start Here tab explains every step.
Set your own currency symbol.

WHAT YOU GET
1 Excel file (.xlsx) with 12 tabs.
1 PDF quick start guide.
This is a digital download. Nothing will be shipped.

PLEASE NOTE
You need Microsoft Excel on Windows or Mac.
This template helps you organise your money. It is not financial advice.
Because this is a digital file, we cannot offer returns, but if anything does not work as described, send us a message on Etsy and we will fix it.
This template was designed by us with the help of digital tools, including AI assistance.