Description
Take control of your money in 2027 with a budget spreadsheet that does the maths for you. Type in what comes in and what goes out, and the planner works out budget vs actual, what’s left to spend, your savings rate and a 50/30/20 check every month. It works in Microsoft Excel and Google Sheets.
What’s inside (18 tabs)
- Start Here: a simple how-to and colour key, so you know exactly where to type.
- Setup: list your income sources and up to 30 spending categories, each with a group (Needs, Wants, Savings or Debt) and a monthly budget. 26 common categories are already filled in for you.
- 12 month tabs (Jan to Dec): an income log, an expense log with up to 150 entries and category drop-downs, budget vs actual for every category, progress bars, a running balance and a 50/30/20 check. Categories turn coral when you overspend.
- Year Overview: income, spending, money left over and savings rate for every month, spending by category for the whole year, plus an income vs spending chart and a spending by group chart.
- Savings Goals: track up to 8 goals with targets, monthly deposits and progress bars.
- Debt Payoff: track up to 8 debts with balances, rates, payments and progress.
- Bill Tracker: list up to 20 regular bills and tick them off every month.
Why you’ll like it
- Everything calculates automatically. You only fill in the cream cells.
- No currency sign, so it works in dollars, pounds, euros or any currency.
- Comes with a blank file and a fully filled example year, so you can see how it works before you start.
- Simple, clean design that’s easy to read on a laptop or phone.
What you get
One instant-download ZIP file with:
- Joyfile-2027-Budget-Planner.xlsx (blank)
- Joyfile-2027-Budget-Planner-EXAMPLE.xlsx (filled example)
- READ ME with step-by-step instructions for Excel and Google Sheets
How to use it in Google Sheets
Open a blank Google Sheet, click File > Import > Upload, choose the file, then pick “Replace spreadsheet”. Formulas, drop-downs and charts keep working.
This is a digital product. No physical item will be shipped. For personal use only.
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