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ROYA D'OR · Budget planner 2027

Haushaltsbuch 2027Finanzen im Griff

Budget planner for Excel, Google Sheets & print

Content in German (Inhalt auf Deutsch)

A whole year of finances at a glance: plan a budget per category, enter income and spending – totals, balances, savings rate and charts calculate themselves. No macros, no app, no subscription.

€9.90Final price · no VAT charged under § 19 UStG (small business)

One-time €9.90 · no subscription · Excel template + sample file + 17-page PDF to print

Get it for €9.90See what's inside
  • Instant download
  • Secure payment with PayPal & Google Pay
  • Digital invoice on request
  • Excel · LibreOffice · Google Sheets
  • PDF A4 · 17 pages
  • No macros
  • Content in German
Benefits

Four things the Haushaltsbuch does for you

  1. Calculates automatically

    Totals, balances, savings rate and charts update by themselves. Spending above budget turns red.

  2. Debt payoff: snowball vs. avalanche

    Both methods side by side, with worksheets for the repayment plan – you see which route suits you.

  3. Savings goals with a monthly rate

    Enter a goal and an amount – the monthly saving needed and your progress are calculated.

  4. Fixed-costs check with notice periods

    All contracts and subscriptions on one list, with costs and notice period – so nothing renews unnoticed.

What you get

One ZIP package, right after payment

Haushaltsbuch_2027.xlsx

The blank template for Excel, LibreOffice and Google Sheets: instructions, annual overview, budget plan, January to December, savings goals, debt payoff, fixed-costs check. Formula cells protected (no password).

Sample file

The same file with made-up sample data – to try it out and understand it before you enter your own numbers.

Print version A4 (PDF)

17 pages: cover, annual overview with a 2027 calendar (German public holidays marked), 12 monthly pages, savings goals, debt payoff and fixed-costs check.

Plus: LIESMICH.txt (in German) with a 5-step start, also for Google Sheets, and the fonts Cormorant Garamond + Inter (SIL Open Font License). Apple Numbers opens the file; some charts may look different.

Important note

The Haushaltsbuch is a tool for organising your own finances – it is not tax, financial, investment or legal advice. All calculations (especially interest and the repayment plan) are simplified models; the documents from your bank or contract partner are what counts.

Get it for €9.90One-time €9.90 · no subscription
FAQ

Frequently asked questions

Which programs does it work with?

Microsoft Excel, LibreOffice Calc (free) and Google Sheets – no macros. Apple Numbers opens the file, though some charts and formatting may differ. The print version (PDF, A4) works with any PDF reader.

What language is the content in?

Content in German (Inhalt auf Deutsch): the sheets, the print version and the instructions (LIESMICH.txt). The website is available in German, Italian and English; the product itself only in German.

How do I use it with Google Sheets?

Upload the file to Google Drive and open it with Google Sheets (or use “File → Import”). Formulas, drop-down lists, charts and colours carry over; sheet protection does not always – so do not overwrite formula cells.

Is this financial advice?

No. The Haushaltsbuch helps you organise your own numbers; it is not tax, financial, investment or legal advice. Interest and repayment calculations are simplified models.

May I share the files?

The licence covers your own household (private, personal use). Reselling, passing on, publishing or uploading the files – even modified – is not allowed.

Can I return it or cancel?

For digital content, the right of withdrawal expires if you expressly agree that delivery begins before the withdrawal period ends and acknowledge that you thereby lose your right of withdrawal (§ 356(5) BGB). You do this with the second checkbox at checkout; without it, no order is possible. If the download does not work or a file is faulty, write to info@royador.com – we will help right away. Details: Cancellation policy.

How long is the download link valid?

7 days, up to 5 downloads. Save the ZIP straight after your purchase. Any problems: info@royador.com with your PayPal order number.

Will I get an invoice?

Yes, by e-mail on request: write to info@royador.com with your PayPal order number. As a small business under § 19 UStG we do not charge VAT.

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  • Instant download
  • Secure payment with PayPal & Google Pay
  • Digital invoice on request

Haushaltsbuch 2027 – Finanzen im Griff (Excel template + sample file + print version PDF A4)

Digital download (ZIP, about 0,9 MB) · delivered immediately after payment via a download link · content in German

Content language: German

Total €9.90 – no VAT charged under § 19 UStG (small business)

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Total €9.90 – no VAT charged under § 19 UStG (small business)

Pay with PayPal (depending on what PayPal offers you, also by direct debit, card or “Pay Later”) or with Google Pay. The PayPal and Google scripts are only loaded once you tick both boxes.

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