Know where your money goes in 2027.
Log what you spend and the planner adds it up for you: budget vs actual for every category, every month, with a 50/30/20 check and a dashboard. No macros.
✓ One-off payment ✓ Instant download ✓ Excel for Windows & Mac
| Category | Type | Budget | Actual | Left | Used |
|---|---|---|---|---|---|
| Rent / Mortgage | Needs | $1,350 | $1,350.00 | $0.00 | 100% |
| Groceries | Needs | $500 | $475.52 | $24.48 | 95% |
| Transport | Needs | $250 | $231.54 | $18.46 | 93% |
| Eating out | Wants | $200 | $129.10 | $70.90 | 65% |
| Shopping | Wants | $150 | $151.13 | -$1.13 | 101% |
| Emergency fund | Savings | $300 | $300.00 | $0.00 | 100% |
Most budgets fall apart by February
“Where did it all go?”
Payday feels great. Two weeks later there’s nothing left and no idea why.
Adding it up by hand
Receipts, bank apps and a calculator every month-end. It’s no wonder people give up.
No big picture
You can’t see if this month was better than last, or if you’re really saving enough.
Set your budget once. Log as you go.
Set your budget
Your categories and a monthly amount for each: needs, wants and savings. 20 are ready to go.
Log your spending
Date, description, category and amount. Each line is sorted into the right month for you.
See how you did
Pick a month on the dashboard: income, spent, saved, left over and every category’s budget vs actual.
Type it in. It’s added up for you.
Add each purchase or payday to one list. SUMIFS puts every line into the right category and month, so there’s nothing to copy across and no monthly sheets to set up.
- Room for 1,000 transactions
- Category drop-down
- Type filled in for you: Income, Needs, Wants or Savings
| Date | Description | Category | Amount | Type |
|---|---|---|---|---|
| Fri 01 Jan | Paycheck | Salary | $2,100.00 | Income |
| Fri 01 Jan | Rent | Rent / Mortgage | $1,350.00 | Needs |
| Sat 02 Jan | 401(k) extra | Retirement | $250.00 | Savings |
| Mon 04 Jan | Grocery store | Groceries | $123.57 | Needs |
| Tue 05 Jan | Pizza night | Eating out | $38.40 | Wants |
Are you saving enough?
The dashboard checks your month against the 50/30/20 rule: 50% of income on needs, 30% on wants and 20% on savings, and tells you in plain words how you did.
- Needs, wants and savings as % of income
- Targets you can see at a glance
- A plain-English summary
| Actual | % of income | Target | |
|---|---|---|---|
| Needs | $2,728 | 59% | 50% |
| Wants | $367 | 8% | 30% |
| Savings | $700 | 15% | 20% |
Pick a month. See the whole story.
Choose any month for income, spent, saved and left over, a budget vs actual bar for every category, and a month-by-month table and chart for the whole year.
- Month picker
- Overspending in red
- Year so far and budget so far
| Month | Income | Spent | Saved | Left over |
|---|---|---|---|---|
| Jan | $4,636 | $3,095 | $700 | $841 |
| Feb | $4,461 | $3,365 | $625 | $471 |
| Mar | $4,500 | $3,159 | $700 | $642 |
| Year so far | $13,598 | $9,619 | $2,025 | $1,954 |
For anyone who wants to take control of their money
Households & couples
One place for the whole household’s income and spending.
First budget
Starter categories and the 50/30/20 rule make it easy to begin.
Saving for something
See exactly how much is left each month to put towards your goals.
Everything you get
- 12 months of 2027 in one file
- Transaction log with room for 1,000 lines
- Up to 30 categories: 20 ready to go
- Income, Needs, Wants and Savings types
- Budget vs actual for every category and month
- Overspending highlighted in red
- 50/30/20 check with a plain-English summary
- Dashboard with month picker and chart
- Works for any year: change it on the Settings tab
One-off payment. Yours to keep.
Get instant access $9.99Secure checkout by Payhip · Card or PayPal
Download link emailed straight away
Hi, I’m Lee
I run Sheet Leveller on YouTube, where I make quick, no-nonsense Excel tutorials.
This planner is built on the SUMIFS and conditional formatting from my tutorials, so everything adds itself up.
Questions
Do I need to connect my bank?
No. You type in what you spend, or paste it from your bank’s download. Nothing is linked to your accounts.
Can I change the categories?
Yes. Rename, add or remove categories on the Settings tab, up to 30.
What’s the 50/30/20 rule?
A simple guide: about 50% of your income on needs, 30% on wants and 20% on savings or paying off debt.
Can I use it for 2028?
Yes. Change the year on the Settings tab and start a fresh log.
Does it use macros?
No. It’s a normal .xlsx file, so there are no security warnings and nothing to enable.
Which versions of Excel does it work with?
Microsoft 365, Excel 2010 or later on Windows, and Excel for Mac. It’s built for Microsoft Excel.
Is this a subscription?
No. You pay once and the file is yours to keep.
Make 2027 the year your money adds up.
A transaction log, budget vs actual and a dashboard, all in one file.
Get the planner $9.99Not ready yet? Try the free Simple Monthly Budget.