Proper Spreadsheets

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2027 Budget Planner

Made for anyone planning a fresh start for the new year.

Plan income and a budget for every spending category, month by month through 2027, then log what you actually spend. Budget against actual, year to date totals, the categories you overspend on and your savings are all worked out for you. The summary carries a chart that redraws itself as you type.

Tabs
4
Columns
20
Fill themselves in
28

£4.99one payment, yours to keep

  • Opens in Excel, Google Sheets and Numbers
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  • No macros, nothing to install
  • Change it free before you buy

Payment is handled by Stripe. Your card details go to them and never to us. Sales are final, which is why every tab, column and calculation is shown on this page first.

The workbook's summary and the table behind it
A row typed into the real file. Every figure that changes is the spreadsheet's own arithmetic.
The summary page, every figure calculated from the tables
The chart, drawn from the totals in the table beside it
What is inside: the tabs, the columns and what fills itself in
Where you type, and the shaded columns that work themselves out
The guide sheet that opens first and explains the file
Everything included in the download

Everything inside, before you pay

This is the whole design: every tab, every column and how each calculated one is worked out. White cells are yours to fill in; the shaded ones work themselves out and are locked so a formula cannot be overwritten by accident. There is room for 1,662 rows.

Months

One row per month of 2027. Type your expected income, then your actual income once it arrives. Everything else fills itself in. Room for 12 rows.

ColumnTypeWorked out as
Monthtext
Month Nonumber
Expected Incomecurrency
Actual Incomecurrency
Budgeted SpendcurrencyIF(ISBLANK([month_no]), "", SUMIF([Budget!month], [month], [Budget!budget]))
Actual SpendcurrencyIF(ISBLANK([month_no]), "", SUMIFS([Spending!amount], [Spending!date], ">="&DATE(2027, [month_no], 1), [Spending!date], "<="&EOMONTH(DATE(2027, [month_no], 1), 0)))
Left in BudgetcurrencyIF(ISBLANK([month_no]), "", SUMIF([Budget!month], [month], [Budget!budget]) - SUMIFS([Spending!amount], [Spending!date], ">="&DATE(2027, [month_no], 1), [Spending!date], "<="&EOMONTH(DATE(2027, [month_no], 1), 0)))
Planned SavingcurrencyIF(ISBLANK([month_no]), "", [expected_income] - SUMIF([Budget!month], [month], [Budget!budget]))
Actually SavedcurrencyIF(OR(ISBLANK([month_no]), ISBLANK([actual_income])), "", [actual_income] - SUMIFS([Spending!amount], [Spending!date], ">="&DATE(2027, [month_no], 1), [Spending!date], "<="&EOMONTH(DATE(2027, [month_no], 1), 0)))

Budget

One row for each category in each month. Set how much you plan to spend; actual spending and any overspend are worked out from the Spending tab. Room for 150 rows.

ColumnTypeWorked out as
Monthchoice (list)
Categorychoice (list)
Budgetcurrency
Actual SpendcurrencyIF(ISBLANK([budget]), "", SUMIFS([Spending!amount], [Spending!month], [month], [Spending!category], [category]))
Left in BudgetcurrencyIF(ISBLANK([budget]), "", [budget] - SUMIFS([Spending!amount], [Spending!month], [month], [Spending!category], [category]))
Overspent BycurrencyIF(ISBLANK([budget]), "", MAX(0, SUMIFS([Spending!amount], [Spending!month], [month], [Spending!category], [category]) - [budget]))

Spending

Log each thing you spend as it happens. The month is filled in from the date. Room for 1,500 rows.

ColumnTypeWorked out as
Datedate
Descriptiontext
Categorychoice (list)
Amountcurrency
MonthtextIF(ISBLANK([date]), "", INDEX([Months!month], MATCH(MONTH([date]), [Months!month_no], 0)))

Summary

Your year at a glance: budget against actual, spending so far, savings and where you overspend.

MeasureWorked out as
Expected income for the yearSUM([Months!expected_income])
Actual income so farSUM([Months!actual_income])
Total budgeted for the yearSUM([Budget!budget])
Total spent in 2027SUMIFS([Spending!amount], [Spending!date], ">="&DATE(2027, 1, 1), [Spending!date], "<="&DATE(2027, 12, 31))
Budget left for the yearSUM([Budget!budget]) - SUMIFS([Spending!amount], [Spending!date], ">="&DATE(2027, 1, 1), [Spending!date], "<="&DATE(2027, 12, 31))
Planned saving for the yearSUM([Months!expected_income]) - SUM([Budget!budget])
Saved across the year so farSUM([Months!saved])
Total overspend across all categoriesSUM([Budget!overspent])
Months over budget in any categoryCOUNTIF([Budget!overspent], ">0")
Housing overspendSUMIF([Budget!category], "Housing", [Budget!overspent])
Bills overspendSUMIF([Budget!category], "Bills", [Budget!overspent])
Groceries overspendSUMIF([Budget!category], "Groceries", [Budget!overspent])
Transport overspendSUMIF([Budget!category], "Transport", [Budget!overspent])
Eating Out overspendSUMIF([Budget!category], "Eating Out", [Budget!overspent])
Shopping overspendSUMIF([Budget!category], "Shopping", [Budget!overspent])
Leisure overspendSUMIF([Budget!category], "Leisure", [Budget!overspent])
Health overspendSUMIF([Budget!category], "Health", [Budget!overspent])
Gifts overspendSUMIF([Budget!category], "Gifts", [Budget!overspent])
Other overspendSUMIF([Budget!category], "Other", [Budget!overspent])