Description

Budget 2027 one month at a time. Set a planned figure for each category, enter what you actually spent, and the workbook shows the gap, your net, savings rate and running balance.

The 18 sheets Start Here has the instructions. Settings holds your currency and starting balance. Categories has 6 income and 20 expense rows; rename one and all 12 months follow. Each month shows budget vs actual, difference, % used, an overspend flag, net, savings rate and opening/closing balances. Annual Summary adds year totals, monthly averages, best and worst month, category shares and a running balance. Savings Goals tracks up to 8 goals; Debt Payoff tracks up to 8 debts with payments, balance, paid down and estimated interest/fees. Quick-start PDF in A4 and Letter.

How the file behaves Green cells are input; grey formula cells are protected, with no password. Month tabs start empty; the goals and debt sheets each carry one EXAMPLE row. No macros or add-ons; any currency. Opens in Excel and LibreOffice, imports into Google Sheets, which may drop protection.

I left the month tabs blank on purpose, with the only EXAMPLE rows on the goals and debt sheets; the workbook holds 1,788 formulas. AI helped draft the layout, formulas and help text; a person then checked, tested and edited all of it before release.

A planning tool, not financial advice. Personal use only; please do not resell or share it. Email contact@dottechsolution.com.pk for a 30-day refund.