Budget Planner 2027 & Undated
A4, fits US Letter · 18 pages · color and black & white · printable PDF
A budget planner for the money that is not due every month: the car insurance, the annual fees, the holiday gifts. Set it up once, then two pages a month are enough – and at month-end you check the planner against your bank statement (the Bottom-Line Test), so it stays true. Works with any currency: no symbols are printed, and the example numbers are invented.
Purchase and download through Etsy. Structure and text are my own; the English edition was translated with AI assistance and checked. The illustrations were made with an AI generator.
A look inside
What's inside
WHAT'S INSIDE (18 pages: 2 covers, 1 start page, 1 worked example, 14 worksheets)
SET UP ONCE
- Getting Started – the five steps, contents, who you plan for, how to find your first starting amount
- Two Months as an Example – January and February with a yearly bill, worked out with invented numbers
- My Income – how often it arrives (weekly, every 2 weeks, monthly …), reimbursements kept separate
- My Fixed Costs – everything charged monthly, with a total for the monthly plan
- Contracts & Subscriptions – amount, rhythm, notice period, next deadline, keep / cancel / switch
- Reserves & Yearly Bills – bills with due dates, buffers, emergency fund, with the formula for the monthly amount
- Installments & Balances Owed – "buy now, pay later", installment plans, overdraft (optional)
- My Savings Goals – three at most, with a progress bar, kept apart from reserves
EVERY MONTH
- My Year in Numbers – one row per month
- Monthly Plan (template) – start of the month, with a formula note for every calculated line
- Monthly Wrap-Up & Bottom-Line Test (template) – planned vs. actual, unexpected costs, check against your bank, with a credit card rule
OPTIONAL TEMPLATES
- My Spending – collect single purchases
- Budget Buckets – split everyday money into areas
- Reserves & Goals – balance history per purpose
- Installments Over Time
- Bottom Line: My Money Year – year-end review and a cheat sheet for next year
TIPS WHERE YOU NEED THEM
Why a plan on paper needs a check against the bank, how to avoid counting a bill twice, what to do with a gap that won't close, and how to read your contracts before the deadline passes. General information, not legal, tax or financial advice – check your local rules and contracts.
PRINT AS OFTEN AS YOU LIKE
Print the monthly plan and the monthly wrap-up twelve times, and any other template as often as you need.
DETAILS
- Format: A4 printable · fits US Letter (Fit to page)
- 18 pages, printable PDF
- Color and B/W versions included
- Two covers: 2027 and undated (write in your own year)
- No currency symbols – works in $, £, € or anything else
- Instant download once payment is confirmed
