2027 Monthly Budget Spreadsheet and Paycheck Planner, Excel Budget Template, Bill Planner, Expense Tracker, Budget Dashboard

Plan every dollar of 2027 in one simple spreadsheet. Set a budget for each category, log what you spend, compare planned with actual every month, and see which paycheck pays each bill.

WHY THIS ONE
Formulas locked in Excel, so a stray keystroke cannot wipe a total. Unprotect any tab, no password.
6 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.

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 6 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.