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Paycheck Budget Spreadsheet 2027: Weekly and Biweekly Bill Tracker, Excel Template

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Highlights

  • Designed by ARLingStudio
  • Digital download
  • Digital file type(s): 3 PDF

A paycheck budget spreadsheet that answers the question every payday: which bills does this paycheck have to cover, and what is left? Type your bills once. Every payday of 2027 is worked out for you, with the bills due before the next payday, sorted by due date.

WHAT YOU GET
- arling-paycheck-budget-2027.xlsx: ready for your numbers
- arling-paycheck-budget-2027-sample.xlsx: an example household paid every 2 weeks, filled in to 30 Sep 2027, so you can see every sheet with real numbers first
- Quick start guide (PDF, 3 pages): opening the file in Excel, the first steps, common questions
Plain files, no ZIP, no survey, nothing to build yourself.

PAYCHECK BUDGET OR THE FULL YEAR?
This file answers one question per payday: which bills this paycheck must cover and what is left. Want a whole year budget with categories, monthly plan against actual, debt payoff (snowball and avalanche), savings goals and net worth? That is our 2027 Budget Spreadsheet (it also has a Paychecks sheet): https://www.etsy.com/ie/listing/4583351511/2027-budget-spreadsheet-excel-google

7 SHEETS
- Start here: 5 steps with a link to every sheet
- Settings: year, how often you are paid (weekly, every 2 weeks, twice a month or monthly), first payday, usual take home pay, what you save from each paycheck, 30 spending categories
- Bills: up to 60 bills, typed once: amount, first due date and how often (monthly, every 2 weeks, weekly, every 3 months, yearly or once). Times per year, total and next due date are calculated.
- Paychecks: every payday of the year (up to 54). For each one: the pay, the bills due before the next payday with their total and the first 8 names sorted by due date, saving, spending in that period, and what is left. A red Left shows a paycheck that comes up short.
- Spending: up to 500 purchases. Each one goes to the paycheck it was spent from.
- Dashboard: your next payday and the bills it must cover, the whole year (pay, bills, saved, spending, left over), short paychecks, bills due before your first payday, and a Data check
- Calc: every due date of every bill, visible and locked, so each number can be traced

HOW IT WORKS
- You type in Bills once and in Spending as you go. Everything else is calculated.
- A bill belongs to the last payday before its due date. A bill due on the 31st is due on the last day of shorter months.
- A different amount on one payday (overtime, a bonus)? Type it next to that payday.
- Gray cells are calculated and locked without a password, so nothing breaks by accident. One click (Review, Unprotect Sheet) unlocks them.
- Data check finds a missing first payday, bills without an amount or due date, bills typed twice, spending without a date and more. It says All good or tells you what to fix.
- Any currency: type your symbol in Settings.

WORKS IN
Microsoft Excel 2016 or newer. We test every release in Excel on Windows. No macros, no scripts, no add ins, no account.

HOW WE TEST IT
Before release the file is recalculated in Microsoft Excel (12,934 formulas, no errors), and every calculated cell is compared with a separate calculation written from scratch, in the example file, in the empty file and in 8 generated years with every pay frequency and deliberate mistakes. The pictures in this listing are drawn from the example file.

GOOD TO KNOW
- This is a digital download. Nothing is shipped.
- Made for a computer screen. Not tested yet: Excel for Mac, Excel for the web, Google Sheets, phone and tablet apps, Apple Numbers.
- Text and labels are in English.
- The file is a tool for your own records. It is not financial advice.
- Questions or a problem with the file: send us a message and we will help.

Digital download only; no physical item will be shipped. For EU consumers, the statutory right of withdrawal is lost when the supply of digital content begins only if you have expressly consented to immediate supply, acknowledged the loss of that right, and the legally required confirmation has been provided. This does not affect your statutory rights if the files are faulty or not as described, or any applicable Etsy Purchase Protection. If you have trouble accessing or using your purchased files, please send us an Etsy Message with your order number, file name and a description of the problem. We will help you resolve it. Please do not send card or payment details.

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Listed on 27 Sept, 2026
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