2027 budget spreadsheet template: start the year with a plan
A new year is the easiest time to start a budget, because you begin with a clean slate. A good 2027 budget spreadsheet gives you a monthly plan, a place to record what actually happens, and a dashboard that shows whether the year is on track.
What to include in a yearly budget
- Income per month. Salary, freelance payments, benefits, side income.
- Fixed costs. Rent or mortgage, utilities, insurance, subscriptions, loan payments.
- Variable costs. Groceries, transport, eating out, clothes, fun.
- Savings goals. Emergency fund, holidays, next Christmas.
- Annual and irregular costs. Car service, yearly insurance, gifts, tax payments. Divide them by 12 and set that amount aside monthly.
The irregular income problem
Most budget templates assume the same paycheck every month. Freelancers, creators, commission-based workers and seasonal workers do not have that. A big month feels rich, a small month feels like a crisis. The fix is income smoothing: all income goes into a buffer, and you pay yourself the same fixed "salary" from it each month. Your budget is based on that salary, not on what happened to arrive this month.
Five steps to set up your 2027 budget
- Look back at 2026. Use bank statements to estimate average monthly income and spending.
- Choose a steady monthly salary. If income varies, pick an amount you can reliably pay yourself, ideally below your average.
- Assign every euro. Fixed costs first, then savings, then variable spending.
- Track monthly. Record actuals and compare with the plan.
- Adjust quarterly. Raise or lower the salary as your buffer grows or shrinks.
Use a template built for this
2027 Budget Planner — €11
Excel + Google Sheets. One-time purchase, instant download.
Buy now — €11 See what's insideThe 2027 Budget Planner — Irregular Income Edition is built around a steady monthly salary, with a dashboard, monthly budgets and an income-smoothing sheet. It works in Excel and Google Sheets and is a one-time €11 purchase.
Want goals alongside the money? The Goal & Habit Tracker (€7) covers 12 goals and 15 habits. Or get both plus the Christmas tracker in the Fresh-Start Bundle for €15:
2027 Fresh-Start Bundle (all 3 templates) — €15
Excel + Google Sheets. One-time purchase, instant download.
Buy now — €15 See what's insideStill in holiday mode? Finish December on budget first with our guide on how to budget for Christmas.
Frequently asked questions
Does the 2027 budget template work with irregular income?
Yes. It is designed for irregular income and uses a steady monthly salary paid from an income buffer.
Excel or Google Sheets?
Both. The .xlsx opens in Excel on Windows and Mac and works in free Google Sheets.
Is it a monthly subscription?
No. It is a one-time purchase and you keep the file.
Can I start mid-year?
Yes. You can start from any month; just enter your figures from that month onward.