2027 Family Budget Spreadsheet

A calm, beautiful budget for the whole family, built for Google Sheets and Excel. Type your numbers once on the Setup tab and everything else fills itself in: twelve monthly budgets, a year-long dashboard, bills, groceries, kids' costs, sinking funds, savings goals and debt.

WHAT'S INCLUDED · 21 TABS

• Start Here: simple instructions
• Dashboard: money in, bills, spending, saved, debt paid and what's left over, month by month and by category, with progress bars
• Setup: income, family members, bills with due dates, spending categories and sinking funds
• 12 monthly tabs: income planned vs actual, bills with paid ticks, everyday spending by category, sinking funds, savings goals, debt payments, and a spending log with category and "who it was for" dropdowns
• Bill Calendar: every due date of the year, green when paid, rose when overdue
• Groceries: budget vs actual, week by week, filled in from your spending log
• Kids & Family: costs per person and category, month by month
• Sinking Funds: Christmas, birthdays, back to school, car repairs, trips and more, with balances
• Savings Goals: progress bars and how much is needed each month
• Debt Tracker: running balances, plus snowball (smallest balance first) and avalanche (highest rate first) order

PLUS

• A DEMO workbook filled with a sample family's year, so you can see every tab working before you start
• A 2-page quick-start guide (US Letter + A4)

TESTED

Every formula was checked in Excel with a full year of sample data: 4,800+ formulas, zero errors, and every total matches an independent calculation.

HOW IT WORKS

Google Sheets: upload the .xlsx to Google Drive, open it and choose File › Save as Google Sheets. Excel: open it in Excel 2016 or newer, Excel for Mac or Excel online. Amounts are plain numbers, so it works in any currency.

PLEASE KNOW

This spreadsheet is a tool for tracking your own numbers. It is not financial advice. Debt balances are simple running totals and don't include interest.

PLEASE NOTE

• This is an instant digital download. Nothing will be shipped.
• You need a free Google account (for Sheets) or Microsoft Excel. Apple Numbers can open the file, but Excel or Sheets is recommended.
• For personal use only. Please don't resell or share the files.
• Colors can look a little different depending on your screen and printer.
• Designed by Rooted & Refined with help from digital tools. Editorial concept images were created with digital tools.

Pair it with the 2027 Family Planner, which has a simple monthly budget page for each month, or save with the 2027 Family Organizer bundle.