{"product_id":"2027-budget-planner-spreadsheet-excel-google-sheets","title":"2027 Budget Planner Spreadsheet (Excel \u0026 Google Sheets)","description":"\u003cp\u003eA budget spreadsheet that works the way you actually get paid. Set it up once, log your money as it comes and goes, and the planner does the math.\u003c\/p\u003e\n\n\u003ch3\u003eBuilt around real paychecks\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003ePick weekly, bi-weekly, semi-monthly, monthly or irregular pay. Bi-weekly and weekly months with an extra paycheck are flagged automatically.\u003c\/li\u003e\n\u003cli\u003eEnter your gross pay and deductions (tax, retirement, health insurance) and it works out your take-home.\u003c\/li\u003e\n\u003cli\u003eFreelance or variable income? Mark your essential bills and each month tells you whether you've covered essentials, your full budget, or have extra to put toward goals.\u003c\/li\u003e\n\u003cli\u003eLeftover money rolls into next month, so your balance is always real.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat's inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eSetup:\u003c\/strong\u003e your categories, budgets and paycheck in one place. Rename a category once and it updates everywhere.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e12 monthly trackers:\u003c\/strong\u003e income log, 150 transaction rows, budget vs actual with amber and red warnings when you're close to or over budget.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eQuick Log:\u003c\/strong\u003e a narrow three-column tab made for your phone. Log a purchase in seconds and it lands in the right month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAnnual Overview:\u003c\/strong\u003e income, spending, savings rate and spending by category for the whole year, with charts.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings Goals:\u003c\/strong\u003e set a target and date, see how much to save each month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff:\u003c\/strong\u003e debt-free date, interest left, and both snowball and avalanche payoff order.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBill Tracker:\u003c\/strong\u003e due dates, autopay and a Paid\/Unpaid tick for every month.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWorks with\u003c\/h3\u003e\n\u003cp\u003eMicrosoft Excel, Google Sheets and Apple Numbers. Built with standard formulas, so you won't hit Google-only functions that break in Excel. For Google Sheets, upload the file to Google Drive and choose File \u0026gt; Save as Google Sheets. A free Google account is all you need.\u003c\/p\u003e\n\n\u003ch3\u003eGood to know\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a digital download (.xlsx file). Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eCurrency symbol can be changed in one cell.\u003c\/li\u003e\n\u003cli\u003eSheets are protected without a password, so you can't break a formula by accident, but you're free to unprotect and customise.\u003c\/li\u003e\n\u003cli\u003eFor personal budgeting only. Not financial advice.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Digital StopHub","offers":[{"title":"Default Title","offer_id":50678594896037,"sku":"DSH-2027-BUDGET-PLANNER-1","price":14.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0730\/6192\/5029\/files\/Budget-Planner-Cover-square.png?v=1792169653","url":"https:\/\/digitalstophub.myshopify.com\/products\/2027-budget-planner-spreadsheet-excel-google-sheets","provider":"Digital StopHub","version":"1.0","type":"link"}