2027 Budget Planner

Plan your whole 2027 in one spreadsheet, then check in once a month. The 2027 Annual Budget Planner is a dated, full-year budget for January 1 to December 31, 2027. Set up your income and categories once and the plan fills all 12 months. Each month has its own tab where you compare planned vs. actual for every category, and a year-at-a-glance dashboard adds it all up with your savings rate, running balance and charts. Already have our Monthly Budget Planner? That one logs individual transactions and works for any year. This planner is built around a yearly plan: 12 dated monthly tabs, a full-year plan grid and 2027 savings and debt goals. You type one actual total per category each month. WHAT'S INCLUDED • Year-at-a-glance dashboard: income, spending, left over and savings rate to date, planned 2027 totals, a month-by-month table with a running balance, and two charts • 12 monthly tabs (January to December 2027): planned vs. actual, remaining, % used and a progress bar for every category, plus a notes box • "Plan change" column on each month for 3-paycheck months, holidays and yearly bills • Plan 2027 tab: every category for all 12 months, with planned-to-date totals • Actuals 2027 tab: what you really earned and spent, by category and month, compared with your plan • Savings and debt goals: up to 8 of each, linked to your categories, with progress bars, "needed per month" and debt paid down so far • Setup tab for up to 8 income sources and 36 expense categories in 12 groups • Start Here guide • Two files: a blank planner and a filled-in example WORKS WITH • Microsoft Excel (2010 or later, Windows and Mac, and Excel online) • Google Sheets (free): upload the file to Google Drive and open it with Google Sheets HOW IT WORKS 1. Purchase and download instantly from your Etsy Purchases page. 2. Open the file in Excel, or upload it to Google Drive and open it in Google Sheets. 3. Fill in the Setup tab, then type your actual totals on each month's tab as the year goes. PLEASE NOTE • This is a digital download. No physical item will be shipped. • Dated for 2027 (January to December). • Amounts are in US dollars ($). Currency formatting can be changed in your spreadsheet app. • For personal use. Please don't resell or share the file. • Not financial advice. How we make it: Every Penny & Pencil template and worksheet is designed in-house with AI-assisted tools, then each page, formula and answer key is checked and tested before it is listed. Questions? Send us a message. We usually reply within a day.