2027 budget planner spreadsheet

A new year is the easiest time to start a budget, and a dated planner makes it simple to see the whole year at once.

The 2027 Budget Planner has a setup tab for income sources and up to 36 expense categories, a full-year plan, and 12 dated monthly tabs where you type what you actually earned and spent. A year-at-a-glance dashboard shows planned vs actual, savings rate, a running balance and charts, and a goals sheet tracks savings goals and debts.

It works in Excel and Google Sheets and comes with a filled-in example. It is an organizing tool, not financial advice.

What you get

You get two files, a blank template and a filled-in example, plus a Start Here guide. Open them in Microsoft Excel, or upload them to Google Drive and open them with Google Sheets (free). You type in the input cells; the formulas, totals and charts update themselves.

Tips

• Plan the whole year in one sitting, then adjust month by month.
• Update actuals once a month from your bank statements.
• Check the savings rate on the dashboard each quarter.