{"product_id":"2027-budget-planner-spreadsheet-for-google-sheets-bills-debt-goals","title":"2027 Budget Planner Spreadsheet for Google Sheets: Bills, Debt, Goals","description":"\u003ch2\u003ePlan your whole 2027 in one spreadsheet\u003c\/h2\u003e\n\u003cp\u003eYour income, a monthly plan, bills, debt payoff, savings goals and a no-buy challenge, all in one place. Plan on a \u003cstrong\u003ecautious minimum month\u003c\/strong\u003e to help you plan for a slow month. Type in the white cells. The gray cells work it out for you.\u003c\/p\u003e\n\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eIncome.\u003c\/strong\u003e Up to 2 paychecks and 5 side-income lines. For income that varies, type a usual month and your lowest month.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eBudget Plan.\u003c\/strong\u003e Give every part of your money a job until \"Left to plan\" reaches zero. Rename or add your own categories.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eBills.\u003c\/strong\u003e A checklist of 30 bills with category and due day. Type Yes when paid, or the amount if it was different.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eDebt Payoff.\u003c\/strong\u003e List up to 10 debts, pick snowball (smallest balance first) or avalanche (highest rate first), and see the order and an estimated debt-free month.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eSavings Goals.\u003c\/strong\u003e Up to 8 goals, plus a 52-week challenge to tick off.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eNo-Buy 2027.\u003c\/strong\u003e Mark no-spend days and track a no-buy challenge.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eJan to Dec.\u003c\/strong\u003e One tab per month with planned, spent and left, and a spending list of 200 lines.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eYear Dashboard.\u003c\/strong\u003e Your whole year on one page, with charts that update by themselves.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eHow to use it\u003c\/h3\u003e\n\u003col\u003e\n  \u003cli\u003eDownload the files after checkout.\u003c\/li\u003e\n  \u003cli\u003eUpload the .xlsx to Google Drive (New, then File upload), open it, then click File, then Save as Google Sheets. Use that new copy from now on.\u003c\/li\u003e\n  \u003cli\u003eStart on the Income tab, then the Budget Plan, then your Bills. The Start Here tab walks you through it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\n\u003ch3\u003eFiles and compatibility\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eMade for \u003cstrong\u003eGoogle Sheets\u003c\/strong\u003e (free Google account).\u003c\/li\u003e\n  \u003cli\u003eSpreadsheet file (.xlsx) with 20 tabs (Start Here, Income, Budget Plan, Bills, Debt Payoff, Savings Goals, No-Buy 2027, Year Dashboard and Jan to Dec), plus a 2-page Quick-Start guide (PDF).\u003c\/li\u003e\n  \u003cli\u003eAny currency works: just type the numbers. Gray cells calculate by themselves: please don't type over them (undo with Ctrl+Z or Cmd+Z).\u003c\/li\u003e\n  \u003cli\u003eInstant download. One-time purchase, no subscription. Nothing is shipped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhich one do I need?\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eJust planning Christmas? → \u003ca href=\"\/products\/christmas-gift-spending-tracker-spreadsheet-for-google-sheets\"\u003eChristmas Gift \u0026amp; Spending Tracker\u003c\/a\u003e\n\u003c\/li\u003e\n  \u003cli\u003eWant to see what you pay every month for subscriptions? → \u003ca href=\"\/products\/subscription-tracker\"\u003eSubscription Tracker\u003c\/a\u003e\n\u003c\/li\u003e\n  \u003cli\u003eWant to know which side hustle pays you? → \u003ca href=\"\/products\/side-hustle-hq-side-hustle-profit-true-hourly-rate-tracker-google-sheets-excel\"\u003eSide Hustle HQ\u003c\/a\u003e (type what you take home on the Income tab here)\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eGood to know\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eEstimates for planning only, not tax or financial advice. The planner only adds up the numbers you type in and doesn't promise any result.\u003c\/li\u003e\n  \u003cli\u003eThe debt-free month is an estimate. It assumes on-time payments, no new borrowing and the rates you typed. Lenders work out interest daily and minimums can change.\u003c\/li\u003e\n  \u003cli\u003eThe sample names and amounts in the pictures are made up (a pretend household, January to July 2027). They come from a DEMO file. The file you download starts empty.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003ePersonal-use license:\u003c\/strong\u003e use it for yourself and your household. Please don't resell, share or redistribute the file.\u003c\/li\u003e\n  \u003cli\u003eGoogle Sheets is a trademark of Google. Sidekick Sheets isn't affiliated with or endorsed by Google.\u003c\/li\u003e\n  \u003cli\u003eIf the file doesn't open or doesn't match the page, email \u003ca href=\"mailto:hello@sidekicksheets.com\"\u003ehello@sidekicksheets.com\u003c\/a\u003e within 30 days and we'll fix it or help you set it up. If we can't solve a genuine problem, we'll refund you.\u003c\/li\u003e\n  \u003cli\u003eCreated by Sidekick Sheets with AI assistance (AI tools helped build the spreadsheet and write the guide) under our direction and review.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Sidekick Sheets","offers":[{"title":"Default Title","offer_id":67501672300834,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1019\/8374\/8386\/files\/01-thumbnail-plan-your-2027.png?v=1791757143","url":"https:\/\/sidekicksheets.com\/products\/2027-budget-planner-spreadsheet-for-google-sheets-bills-debt-goals","provider":"Sidekick Sheets","version":"1.0","type":"link"}