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Zero-Based Budget 2027

Monthly zero-based budget, paycheck planner, transactions log, month view and year summary

Zero-Based Budget 2027: Give every dollar a job — and see it add up to zero
Give every dollar a job — and see it add up to zero
  • Zero-Based Budget 2027: Give every dollar a job — and see it add up to zero
  • Your month at a glance: Income, plan, spending — and the next moves that matter
  • Know your next move: Fixes first, then tweaks and wins — in plain words
  • Plan all 12 months to zero: Six groups, room for 41 categories, and a status for every month
  • Budget by paycheck: Weekly, biweekly or twice a month — 3-paycheck months spotted
  • Track spending together: Drop-down categories, a Who column, and flags for rows to fix
  • Print any month on one page: Every category: planned, spent, left, progress and status
  • See the whole year: Plan vs actual by month and year to date — plus saved & paid down

from $8.99 on Etsy

Price on Etsy may vary (sales, your currency).

View on Etsy
  • Google Sheets + Excel versions included
  • Instant digital download, nothing is shipped
  • Sample data and a Start Here tab
  • One-time purchase, no subscription

Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer.

Give every dollar a job. Plan your income, saving, bills, needs, wants and debt payments for all 12 months of 2027, and every month checks itself: Balanced, To assign or Over-assigned. Add your paychecks once, log what you spend, and the Dashboard shows the month you pick against your plan, with your next moves.

What's inside

  • Start Here

    Quick guide and settings: your names, plan year, currency, near-limit warning, Person 1 and Person 2

  • Dashboard

    Pick any month: income, assigned, spent vs plan and to assign, a progress-to-zero meter, milestones, your top categories, "Your next moves", a 12-month streak, a planned vs spent chart, spending by group and who spent what

  • Budget

    A 12-month plan in six groups (Giving, Saving, Bills, Needs, Wants, Debt) with room for 41 categories; each month shows Balanced, To assign or Over-assigned, and what's left to assign stays in view while you type

  • Paychecks

    Enter each paycheck once with its first payday (weekly, every 2 weeks, twice a month or monthly); paydays are counted for every month and 3-paycheck months are spotted for you

  • Transactions

    1,000 rows with a category drop-down, a Who column and a Check column that flags rows to fix

  • Year Summary

    Plan vs actual by category and month, year to date, and how much went to saving and debt

  • Month View

    One printable page for any month: every category with planned, spent, left, a progress bar and a status

Why you'll like it

  • True zero-based budgeting: income minus everything you assign equals zero, and you see it month by month
  • Budget by paycheck: biweekly pay gives two 3-paycheck months a year, and the sheet tells you which ones
  • Sinking funds and extra debt payments get a job too: saving and debt are categories in your plan
  • Great for couples: a Who column, fun money for each of you, and "who spent what" every month
  • Friendly next moves: what to fix, what to plan, and wins like categories that came in under plan
  • Nothing changes with the calendar: pick a month, or choose "Current month" to follow today
  • Any currency; sample data included so you see it working (clearing it takes a minute)
  • Built by a data analyst: every number is a formula you can trace. No subscription, no app

How you get it

  1. Download on Etsy

    Buy the template on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

    How to download

  2. Make a copy

    Click MAKE A COPY in the PDF: your own Google Sheet is saved to your Google Drive. Prefer Excel? Open the .xlsx.

    How to make your copy

  3. Start

    Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

    Clearing the sample data

You receive:

  • START-HERE.pdf — Google Sheets link + quick guide
  • zero-based-budget-excel.zip — Excel version

Good to know

  • Best used on a computer; you can view it in the Google Sheets app on your phone.
  • Personal use only. Please do not resell or share the files.

A planning tool, not financial advice.

Designed by me with the help of AI tools.

View Zero-Based Budget 2027 on Etsy

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