2027 Budget Spreadsheet: Monthly & Annual Budget Planner with Dashboard (Excel + Google Sheets)

The 2027 Budget Spreadsheet is a spreadsheet template for Microsoft Excel and Google Sheets that plans your budget for every month of 2027 and shows what you actually spent. Set a monthly amount for each category (or a different amount for any month), log your income and spending, and it works out budget vs actual, what's left over, your savings rate and progress toward a yearly savings goal.

WHAT'S INCLUDED

• 2027-Budget-Spreadsheet_BLANK.xlsx: ready for your numbers
• 2027-Budget-Spreadsheet_EXAMPLE.xlsx: a sample household with a full year of 2027 transactions so you can see how it works
• Download guide (PDF) with step-by-step Excel and Google Sheets setup

7 TABS

Start Here (built-in quick-start notes) · Setup · Budget · Transactions · Monthly · Annual · Dashboard

Room for 40 categories and 1,000 transactions. Dropdown menus, locked formula cells (no password) and frozen headers.

KEY FEATURES

• Budget once, adjust any month: a monthly amount per category, with an override for any single month
• Category types: Income, Fixed, Variable, Debt and Savings, with totals for each
• Monthly tab: pick a month and see budget vs actual for every category, with Met / Below / Under / Over / On budget status
• Annual tab: every category for January to December 2027, year total, budget, difference and % used
• Savings rate and running left over for each month
• Yearly savings goal on the Setup tab, with progress on the dashboard
• Dashboard: income, spending, saved, left over, savings rate, savings goal and 4 charts

HOW IT WORKS

1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you.
2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both).
3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically.
4. Open the EXAMPLE file any time to see how a filled-in version looks.

COMPATIBILITY

• ✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365)
• ✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets.
• ✘ Not designed for Apple Numbers or phone screens. A computer is recommended.

FREQUENTLY ASKED QUESTIONS

Q: Does it work in Excel and Google Sheets?

A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers.

Q: Should I use Google Sheets or Excel?

A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets.

Q: Can I use it on my phone or tablet?

A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry.

Q: How do I download it?

A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets.

Q: Can I customize it?

A: Yes. Enter your household name and savings goal on the Setup tab, then rename or add categories on the Budget tab. The rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets.

Q: Can I get a refund?

A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details.

GOOD TO KNOW

• This is a digital product. Nothing will be shipped.
• Nothing connects to your bank: you type or paste transactions in yourself.
• A budgeting tool, not financial advice.
• Any currency works: amounts are plain numbers with a $ format you can change.
• For personal use. Please don't share or resell the files.
• Questions or a problem with a file? Email todorgan@gmail.com.

AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release.