Personal Budget 2027
Excel + Google Sheets
A personal budget for Excel and Google Sheets with monthly and annual dashboards, a debt payoff planner that compares the snowball and avalanche methods, and a savings goals tracker. Log a payment once and the dashboards, 50/30/20 check, bank balance and goal progress update on their own.
£9.98
Etsy UK price including VAT. Prices may differ on other marketplaces; check your chosen listing before purchase.
Instant digital download. Please check the current listing for the exact files and licence included.
What’s included
• 6 spreadsheet files: UK (£), US ($) and EU (€), each as an EXAMPLE version with a sample household and a BLANK version
• 2-page quick-start guide (PDF)
Workbook tabs
Instructions · Settings · Budget plan (12 months) · Transactions · Monthly dashboard · Annual dashboard · Debt Payoff · Snowball schedule · Avalanche schedule · Savings Goals
Features
• Debt payoff: up to 8 debts plus an extra monthly payment. See your debt-free month and total interest with snowball (smallest balance first) and avalanche (highest interest first), side by side
• Savings goals: up to 10 goals with target date, progress bar and how much to save each month
• Monthly dashboard: budget vs actual per category, what's left, Needs/Wants/Savings split (50/30/20)
• Annual dashboard: 12 months by category, savings rate, month-end bank balance and chart
Good to know
• Formulas are locked (no password) so they can't be overwritten by accident; white cells are yours
• Your own categories, each tagged as Income, Needs, Wants, Savings or Debt
• Works in Microsoft Excel and Google Sheets (free Google account). Not tested in Apple Numbers.
• Digital download only, nothing is shipped
• A budgeting tool, not financial advice. Debt figures are estimates (interest calculated monthly as APR ÷ 12); lenders may calculate differently.
How this was made
I'm Herman and Oddwren is my small studio. I designed the workbook and built the formulas with the help of software and AI tools, then tested every formula in LibreOffice and checked the totals and debt schedules against an independent calculation. The listing images were made by me from the real spreadsheet data.
Before you buy
Is this a physical product?
No. This is a digital download. No physical item is shipped.
Where do I get the files?
Your chosen marketplace provides the files after purchase. Follow its order page and download instructions.
What if I need help?
Email hello@oddwren.shop with your order details. Refunds follow the policy of the marketplace you bought from and your applicable statutory rights.
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