2027 Small Business Goals & Budget Planner Spreadsheet

2027 small business budget planner and goal planner spreadsheet for Excel and Google Sheets. Track cash flow, budget vs actual and profit on one dashboard.

A budget helps most when you check it against what really happened. This workbook puts both side by side. You set your goals, build a monthly budget and log what comes in and goes out. The other tabs do the math.

WHAT'S INCLUDED (9 tabs) Start Here: Step-by-step setup, a color guide (teal cells are where you type, white cells hold formulas) and the disclaimer. Setup: Business name, starting cash, a low-cash warning level, and your own income and expense categories. Those categories feed the dropdowns everywhere else. 2027 Goals: Up to 6 annual goals with quarterly milestones. Revenue, profit and savings goals track progress on their own. Customers and Custom goals need you to type in the progress yourself. Annual Budget: Income and expenses by category, month by month, January through December. Monthly Actuals: A transaction log with about 200 rows. Pick a date, category and type from the dropdowns, enter the amount, and the month fills in for you. Budget vs Actual: Budget, actual and the difference for every month, so overspending shows up early. Cash Flow: Beginning cash, cash in, cash out and ending cash for each month, checked against your low-cash warning. Quarterly Review: Revenue, expenses, profit and goal progress for Q1 through Q4, plus space for notes each quarter. Dashboard: Year-to-date revenue, expenses, profit, profit margin and current cash, with a monthly chart and goal progress at a glance.

HOW IT WORKS Opens in Microsoft Excel or Google Sheets. No macros, no add-ins. Comes filled with sample data so you can see how it works. When you're ready, clear the sample data in one step: select the named range SAMPLE_DATA and press Delete. The formulas stay in place. Type in the teal cells only. Everything else updates automatically.

INSTANT DIGITAL DOWNLOAD You get the file as soon as checkout is done. Nothing ships. For personal or single-business use.

Pair it with the Mileage & Quarterly Tax Tracker or the Digital Product Profit Calculator, and see the rest of the small-business tools at reconciledbooksco.com.

PLEASE NOTE This planner is an organizational tool, not tax or legal advice. For tax, legal or accounting decisions, talk to a qualified professional.