2027 Budget Spreadsheet.

Name: 2027 Budget Spreadsheet for Excel and Google Sheets
Brand: ARLing
Price: 9.90 EUR
Availability: InStock

Type what you spend in one plain table. The dashboard, the monthly plan, the charts and the Data check update on their own. Debt payoff shows snowball and avalanche side by side, with real interest, and tells you the month you are debt free.

What you get

Two Excel files and a guide: a blank file ready for your numbers, the same file with an example household filled in from January to September so you can see every sheet with real numbers first, and a 3 page quick start guide (PDF). Open them in Microsoft Excel 2016 or newer, or in Google Sheets. Nothing is shipped.

The Dashboard of the example household: income 66,745.50, outflow 56,471.88, saved 6,150.00, left over 10,273.62, Data check All good, and charts of income and outflow by month — **The real Dashboard**, drawn from the example file.

9.90 €one payment, VAT included

VAT included, nothing added at checkout. You buy the files once and keep them; next year change the year in Settings and start again.

See every sheet first Buy on Etsy In the EU, Etsy adds local VAT (23 percent in Slovakia); here VAT is included. Handy if you already use Etsy.

Bought here, the files unlock right after payment. You can still withdraw within 14 days without giving a reason (our terms, section 5). Terms

bought here, download buttons appear on this page right after payment, and the links come by e-mail too
Excel and Google Sheets, both in the price
no account to make, no bank to connect

Checked before release. The file is recalculated in Microsoft Excel: all 38,994 formula cells show no error, and 7,121 of them are compared with a separate calculation written from scratch.
Checked in Google Sheets. We imported it and compared every calculated number with Excel: 34,720 number cells matched.
Nothing to break. You type in the white cells. Gray cells are calculated and locked without a password, and Transactions has no formulas at all, so you can sort and filter it freely. No macros, no scripts, no add ins.

How it works.

Set it up once, then only type your payments. Everything else follows.

Settings, once. Your year, the first month, your currency symbol, how often you are paid and up to 4 people.
Plan and bills, once. Your categories and how much you plan for each, and your bills and subscriptions, which repeat on their own.
Type what you spend. One row per payment in Transactions, the category from a drop down list. A refund is a minus amount.
Read the result. The Dashboard, Monthly, Annual and the charts update on their own, and the Data check says All good or tells you what to fix.

Transactions with the category list open on the Groceries row: date, description, category, amount, person and account — **One plain table.** The category comes from your own list.

The Monthly sheet for September: plan, actual and difference for every group and category, with a chart — **Pick a month.** Plan against actual, over the plan in red.

Snowball or avalanche, with interest.

Up to 10 debts with their interest rate and minimum payment. Both plans pay every minimum and put the rest on one debt at a time; the sheet shows the month you are debt free and the total interest for each plan.

Debt payoff for the example household: a Visa card, a car loan and a student loan; debt free in November 2029 with snowball and October 2029 with avalanche, total interest 2,406.36 against 2,317.47, avalanche saves 88.89 — In the example, avalanche is debt free one month sooner and saves 88.89 in interest. Your numbers will differ.

Thirteen sheets.

Only Transactions is for daily typing. The rest you set up once, update monthly, or it is calculated.

1. Start here6 steps, a link to every sheet, answers to common questions
2. Settingsyear, first month, currency symbol, how often you are paid, up to 4 people
3. Transactionsone plain table, one row per payment, category from a drop down list
4. Monthlypick a month, see plan against actual for every group and category
5. Dashboardincome, outflow, saved, debt paid, left over, savings rate, 4 charts, top 5 spending
6. Annualevery category for 12 months, with the year plan and the difference
7. Budget planyour categories (up to 60) and how much you plan for each
8. Billstyped once, added to every month they are due, marked Paid, Due or Late
9. Paychecksevery payday of the year and the bills due before the next one
10. Savingsgoals and sinking funds with progress and how much you need per month
11. Debt payoffup to 10 debts with APR, snowball and avalanche side by side
12. Net worthaccount balances at the end of each month, with a chart
13. Calcthe helper calculations, visible and locked, so every number can be traced

The Savings sheet: goals and sinking funds with progress, what is left and what is needed per month — **Savings.** Goals and sinking funds.

The Net worth sheet: assets and debts at the end of each month with a chart of net worth — **Net worth.** Month by month.

What you get: 13 sheets, the two files and the guide, and where it works — **What you get.** Files and sheets.

Three files.

File	What it is	Size
arling-budget-planner-2027.xlsx	Blank, ready for your numbers	0.36 MB
arling-budget-planner-2027-sample.xlsx	An example household filled in from January to September	0.40 MB
Quick start guide (PDF)	Opening the file in Excel or Google Sheets, the first steps, common questions	0.24 MB

Made for a computer screen. Microsoft Excel 2016 or newer (tested on Windows) and Google Sheets. We have not tested Excel for Mac, Excel for the web, phone and tablet apps or Apple Numbers yet. Text and labels are in English; any currency symbol works.

Start in 3 steps: Settings, Bills and Transactions, as real cut outs of the sheets — **Start in three steps.** From the quick start guide.

Before you buy.

Does it work in Google Sheets?

Yes. Import the file (File, Import, Upload) or use the Make a copy link in the quick start guide. We imported it into Google Sheets and compared every calculated number with Excel: 34,720 number cells matched. We have not tested Excel for Mac, Excel for the web, phone and tablet apps or Apple Numbers yet.

Do I have to connect my bank?

No. Nothing is connected. You type each payment in Transactions, or paste rows from your bank's export into its columns. The file never leaves your computer or your Google account.

What happens after I pay?

Stripe sends you back to this page, the page checks that the payment went through, and download buttons for the two Excel files and the guide appear in place of the buy button. The same links are sent by e-mail to the address you paid with. The links on the page work for 7 days and the ones in the e-mail for 30 days.

Can I get my money back?

As a consumer you can withdraw within 14 days without giving a reason (our terms, section 5), and we refund you within 14 days. If a file is broken or does not do what this page says, write to support@arling.sk and we fix it or send the money back.

Can I use it next year?

Yes. Change the year in Settings and clear Transactions; the guide lists every step. Any first month works too, so the year can start in July if yours does.

Is it financial advice?

No. The file is a tool for your own records. It adds up what you type and shows the result; decisions stay yours.

Do I get a receipt?

Yes. The seller (merchant of record) is Link (Sold through Link, LLC) through the Stripe Managed Payments service; ARLing s. r. o. supplies the product. At checkout you will see “Sold through Link”, your bank statement will show LINK.COM* ARLING, and Link sends you the receipt.

Can I buy it on Etsy instead?

Yes, the same files are in our Etsy shop. Here the price is final, VAT included. On Etsy, buyers in the EU pay local VAT on top (23 percent in Slovakia), and elsewhere Etsy may add local tax. Etsy takes the payment and sends the receipt, and any refund goes through Etsy too. The files wait in Purchases and reviews on etsy.com, or behind the link in the Etsy receipt e-mail if you check out as a guest; open them in a web browser, as the Etsy app does not currently support downloading digital purchases. You can ask us through Etsy messages or at support@arling.sk. Etsy suits you if you already shop there; in the EU, buying here costs less.

Colophon

Publisher: ARLing s. r. o., Ivanská cesta 32E, 821 04 Bratislava, Slovakia. Company ID 56583486, VAT ID SK2122352100.
Who makes it: Andrej in Bratislava looks after the products and the support and answers at support@arling.sk. The spreadsheet is built and checked by our own programs, with the help of AI tools; every release is recalculated in Microsoft Excel before it goes out.
Payment and delivery: The seller (merchant of record) is Link (Sold through Link, LLC) through the Stripe Managed Payments service; ARLing s. r. o. supplies the product. Your download links appear on this page as soon as Stripe confirms the payment, and the same links are sent by e-mail to the address you paid with. There is no account to make.

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