2027 Budget Spreadsheet | Paycheck Planner, Bills & Sinking Funds

Stop juggling five apps. Log what comes in and what goes out, and this workbook does the maths: planned vs. actual for every category and month, which bills are due before your next paycheck, and exactly how much to set aside each month for the big costs you already know are coming.

No subscription, no bank login, no app. Just a clean spreadsheet you own.

What's included

• Start Here guide with a 10-minute setup
• Settings: your currency and up to 10 income + 30 expense categories with planned amounts
• Transactions log (1,500 rows) with category dropdown and automatic income/expense type
• Monthly Budget: planned vs. actual for all 12 months, totals and left-over line (turns red when negative)
• Bills Calendar: due days, autopay flag, paid tick boxes per month and next due date
• Sinking Funds: target, date, saved so far and the monthly amount you need to save
• Paycheck Planner: bills due before your next paycheck and what is left
• Dashboard: income, spending, savings rate and an income-vs-expenses chart

Who it's for

• People paid weekly, biweekly or monthly
• Anyone starting a fresh budget for 2027
• Excel and Google Sheets users

Good to know

• Works in Microsoft Excel, Google Sheets (File > Import) and LibreOffice Calc.
• Any currency: type your symbol once.
• Example rows are included so you can see how it works; delete them when you start.
• All formulas were recalculated and checked for errors before release.
• A planning tool, not financial advice.

Format

Instant digital download: one ZIP file with XLSX files. You also get the download link by email.

Personal-use licence. Instant download after checkout.