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Budget Planner 2027

Your 2027 budget, every transaction, savings goals, bills and a debt payoff plan in one Excel file. Log what you earn and spend; the file shows where it goes, how much you save and when your debts could be paid off.

File in EnglishNo macrosExcel · Google Sheets9 linked sheets

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Dashboard: yearly income, expenses, savings and savings rate, with a month selector (Example data) — Dashboard: yearly income, expenses, savings and savings rate, with a month selector · Example data · Enlarge image

Real screenshots of the file

Images of the file with example data. Tap an image to enlarge it.

Budget vs actual for each category, month by month (Example data) — Budget vs actual for each category, month by month

Debt payoff: snowball or avalanche, months to debt-free and total interest (Example data) — Debt payoff: snowball or avalanche, months to debt-free and total interest

Month-by-month payoff schedule for every debt (Example data) — Month-by-month payoff schedule for every debt

Savings goals with the amount to set aside each month (Example data) — Savings goals with the amount to set aside each month

Bills with due day and a 12-month paid checklist (Example data) — Bills with due day and a 12-month paid checklist

Transactions with category and type from drop-down lists (Example data) — Transactions with category and type from drop-down lists

What's inside

Linked sheets, with instructions on the first sheet.

InstructionsHow to set up and use the file.

SettingsYear, currency symbol, income sources and 20 editable expense categories with a monthly budget.

Transactions1,500 rows for income and expenses, with a check column for incomplete rows.

MonthlyBudget vs actual for the chosen month and all 12 months side by side.

DashboardYearly totals, savings rate, month selector, chart and top spending.

Savings GoalsUp to 10 goals with progress and the monthly amount needed.

Debt PayoffUp to 10 debts, snowball or avalanche, compared with paying minimums only.

Payoff scheduleMonth-by-month payments and balances for both methods.

BillsMonthly to yearly bills with due day and a paid checklist.

Demo data

A worked example

The example covers January to September, with three debts and four savings goals.

Example data, the same as in the images: the file you download contains just a few example rows to overwrite.

Budget Planner 2027
Income (9 months)	41,853
Expenses	36,014
Savings	5,839
Savings rate	14.0%
Debt-free with snowball / avalanche	34 / 34 months
Total interest, snowball / avalanche	2,200.64 / 2,159.19

Getting started

In Settings, choose the year, your currency symbol and a monthly budget for each category.
Log income and expenses in Transactions, picking category and type from the lists.
Check Monthly and the Dashboard: they update by themselves.
Add your debts and choose snowball or avalanche to see the payoff plan.

Compatibility and limits

Compatibility

Plain .xlsx file, no macros, standard functions only.
Tested by full recalculation in Excel for Microsoft 365.
Calculations also checked in Google Sheets (upload the file to Google Drive).
Not tested in Apple Numbers or Excel for Mac.

Good to know

Entries are typed or pasted in: there's no bank connection.
One year per file: for 2028, save a copy and change the year.
The debt plan is an estimate: fixed rate, fixed payments, no new charges.

Questions

Snowball or avalanche: which should I choose?

The file calculates both and shows months to debt-free and total interest side by side. Avalanche (highest rate first) usually costs less interest; snowball (smallest balance first) clears single debts sooner.

Does it connect to my bank?

No. You type or paste your transactions; nothing is connected or sent anywhere.

Which currency does it use?

You choose the symbol in Settings ($, £, € or any other); amounts are plain numbers.

Is it financial advice?

No. It's a tool to organise your money.