Plan your whole 2027 money year in one spreadsheet. For each category you set a monthly budget and type what you actually spent. The workbook then shows the gap every month and adds it all up on an Annual Summary.

What's included

• The workbook (.xlsx), with 18 sheets:

  • Start Here: short instructions inside the file.

  • Settings: your currency symbol and your starting balance on 1 January 2027.

  • Categories: 6 income and 20 expense categories. Rename them once and every sheet updates.

  • January to December: one sheet per month. Each has budget vs actual for every category, the difference, % of budget used, an "Over budget" flag, totals, net, savings rate, and opening and closing balance.

  • Annual Summary: income, spending, net and savings rate for each month, plus year totals and monthly averages. It also shows your highest and lowest month, a running balance, and the year total and share for every category.

  • Savings Goals: up to 8 goals. Enter a target, what you had saved before 2027 and what you put aside each month. It shows the total saved, how much is still to save and your progress.

  • Debt Payoff: up to 8 debts. Enter the monthly statement balance and the payments you made. It shows the current balance, how much you've paid down, your progress, and an estimate of interest and fees paid.

• Quick-start guide (PDF, A4 and US Letter).

How it works

• Light green cells are for your input.

• Grey cells hold formulas and are protected so you can't type over them by accident. There's no password, so you can unprotect them if you want to change something.

• The file opens empty, except for two rows marked EXAMPLE (one on Savings Goals and one on Debt Payoff) that show how to fill those sheets in. Clear them before you start.

• It uses simple formulas only, with no macros, add-ons or account needed.

• Amounts work in any currency.

This is a planning and tracking tool, not financial advice.

Delivery: digital download (.zip with the .xlsx and the PDF guide) right after purchase. One-time payment, no subscription.

AI disclosure: the layout, formulas and help text were drafted with AI assistance and then checked, tested and edited by a human before release.

Licence: for your own personal use; please do not resell or share the files.

Support: Message us through Getly messages.