Google Sheets and Excel · version 1.0

Yearly Budget 2027

Plan your whole 2027 on one page.

Type your money in and your spending plan once, for all 12 months. Once a month, type what you really got and spent. The sheet shows each month side by side, what is left over, and if you are under or over plan.

$1.98one-time · instant download

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Works on your phone with the free Google Sheets app
Also Microsoft Excel 2010 or newer
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Yearly Budget 2027 on a phone: So far in 2027 you are $249 under plan, with each month's plan and actual

How it works

1
MY YEAR PLAN
Type your money in and up to 25 spending lines. Same each month? Type it once. A month that is different? Type it under that month.
15 minutes, one time
2
ACTUALS
Once a month, type what you really got and spent on each line.
5 minutes a month
3
YEAR AT A GLANCE
Nothing to type. Read how your year is going.
0 minutes

One line tells you how you are doing, like "So far in 2027 you are $249 under plan".

See it

Year at a glance for 2027: plan and actual for each month, January $177 over plan, July in red as a tight month, and So far in 2027 you are $249 under plan — Every month, plan and actual

Bar chart of money out for each month of 2027, plan next to actual, and totals for needs, wants, and savings and debt — Your year in one chart

The year plan with Every month amounts and only the months that differ typed, like car insurance in March and September and gifts in December — Type it once, change only the months that differ

What was really spent in January, February and March next to the plan so far, with each line on plan, under or over — Once a month, type what you spent

Year at a glance in the light and dark versions on two phones — Light and dark files included

Orange Check notes for letters in a money box, a number below zero, numbers on a line with no name and two lines with the same name — Typos get caught

What's inside: 4 tabs

START HERE: The 3 steps, the colors and an "Is everything OK?" check.
MY YEAR PLAN: Up to 6 money in lines and 25 spending lines in 3 groups: needs, wants, and savings and debt. An "Every month" box, a box for each month, and totals for each month and the year. Tight months turn red.
ACTUALS: The same lines. What you really got and spent each month, the plan so far, and under or over plan for each line.
YEAR AT A GLANCE: All 12 months: money in, money out and left over, plan and actual, and the year so far. The tight months by name, totals by group and a chart of plan next to actual.

Made to be easy

You type only in the yellow boxes. Example numbers show how it works.
Same amount each month? Type it once in "Every month". The sheet uses it for all 12.
One-off months are easy: car insurance in March, a trip in July, gifts in December.
Tight months turn red: a month where your plan spends more than you get.
Months over plan turn orange, so you see them first.
Type the year in one box. Use it again in 2028.
Orange "Check" words catch typos, like letters in a money box or two lines with the same name.

What it counts

12 months, plan and actual, side by side
Up to 6 money in lines and 25 spending lines
What is left over each month, and for the year so far
Under or over plan, for each line and each month
Needs, wants, and savings and debt, with totals
A chart of your plan next to what you spent

What you get

Yearly_Budget_2027.xlsxThe light version, filled with example numbers
Yearly_Budget_2027_Dark.xlsxThe same sheet with a dark look. Pick the one you like
Quick Start Guide (PDF)Short plain-English steps, and buttons that make your own copy in Google Sheets

Works on

Google Sheets (free), on your phone or computer. The guide has buttons to make your own copy.
Microsoft Excel 2010 or newer.
No macros. No add-ons. No account with us.

What it does not do

No bank link. You type your own numbers.
It plans by the month, not each bill by its due day. Not financial advice.

Ready to plan your 2027?

$1.98. Pay once and download right away. Open the guide, make your copy, type your plan. About 15 minutes.

Buy on Etsy Try the free budget calculator

Questions people ask

How do I get the files?

This is a digital download. Nothing is shipped. After you pay on Etsy, download the files from your Etsy account (Purchases). Open the PDF guide first.

Does it work on my phone?

Yes. Use the free Google Sheets app. The guide has buttons to make your own copy, light or dark. It also works in Microsoft Excel 2010 or newer.

How is it different from the Monthly Budget Planner?

The Monthly Budget Planner plans one month in detail: each bill with its due day, every paycheck and your savings goals. This sheet plans the whole year by month, so you see the big months coming, like a trip in July or gifts in December.

What is a tight month?

A month where your plan spends more than you get. In the example, July has a $1,500 trip, so the plan for July is $750 short. That month turns red, and one line names it, so you can plan for it early.

Can I start in the middle of the year?

Yes. A month counts only when you type numbers for it in ACTUALS. Months you leave empty are not in the totals so far.

Can I use it again in 2028?

Yes. Type 2028 in the year box on MY YEAR PLAN, and clear the numbers in ACTUALS. Or make a new copy.

Something is not working. What do I do?

Send us a message on Etsy. We answer and fix it. If we can't, we review your case for a refund.

Good to know

The numbers inside are examples. Type yours over them.
Savings and debt payments count as money out: the money leaves your account.
This is a planning tool. It is not tax, legal or financial advice.
Single-user license: for you and your home. Please do not resell or share the files.
We design every spreadsheet. We use AI tools to help write and test some formulas and text. Every formula is tested before sale.