Haushaltsbuch 2027 Excel in German, Budget Spreadsheet with Savings Goals, Debt Payoff and Bills

German-language budget spreadsheet (Haushaltsbuch) for 2027: income, expenses, savings goals, debt payoff and fixed costs in one Excel file. For the English version, see our “Budget Planner 2027”.

WHAT YOU GET
• 1 Excel file (.xlsx) in German with 9 linked sheets, including a month-by-month debt payoff schedule
• Instructions inside the file (in German) and example rows to overwrite
• 1,500 rows ready for your entries

WHAT IT CALCULATES
✔ Budget vs actual for 20 editable categories, month by month, with difference and a % used bar
✔ Overview with yearly income, expenses, savings and savings rate, a month selector, chart and top spending categories
✔ Savings goals with the amount to set aside each month
✔ Debt payoff for up to 10 debts, snowball or avalanche, months until debt-free and total interest (estimate)
✔ Fixed costs (monthly, quarterly, half-yearly, yearly) with first due month, due day and a 12-month checklist; each item counts only from its first month, and the amount due this year is shown apart from the annualised cost

HOW IT WORKS
1. Einstellungen (Settings): year, currency, categories and monthly budget
2. Buchungen (Transactions): log income and expenses
3. Monatsübersicht and Übersicht update automatically

LIMITS
• No bank connection: entries are typed or pasted in · one year per file · debt payoff is a simplified estimate
• Formulas tested by full recalculation in Excel for Microsoft 365; calculations also checked in Google Sheets. No macros.

⚠ Digital download: nothing will be shipped. This template helps you organise your money; it is not financial advice.