Paycheck Budget Spreadsheet, Biweekly Budget Planner 2027, Google Sheets and Excel Budget Template, Debt Snowball, Savings & Bill Tracker

Seller's description

Budget by paycheck, track every dollar, pay off debt faster and hit your savings goals with this 2027 budget planner spreadsheet for Excel and Google Sheets. Everything updates automatically.

See exactly which bills each paycheck has to cover, log your spending in seconds with dropdowns, and watch your dashboard show income, spending, savings and what's left every month. Then use the debt snowball or avalanche planner to see your debt-free date.

WHAT YOU GET
• Paycheck Budget Planner, blank version (.xlsx) for your own budget
• Example version (.xlsx) filled in for a sample family, so you can see how everything works

WHAT'S INSIDE
• Dashboard: pick a month to see income, spent, saved and left over, planned vs actual for every category, progress bars and 2 charts
• Setup: pay schedule, take-home pay, categories with monthly plans, bills with due dates, and a "left to budget" check for zero-based budgeting
• Paychecks: every payday of the year and which bills each paycheck must cover before the next one
• Transactions: log income and spending with category dropdowns
• Monthly Summary: every category, every month, with yearly totals vs plan
• Debt Payoff: up to 8 debts, snowball or avalanche, extra payments roll over automatically, debt-free date and total interest
• Savings Goals: up to 10 goals with progress bars and finish dates
• Start Here: simple step-by-step guide

WORKS YOUR WAY
• Paid weekly, biweekly, semi-monthly or monthly
• Any currency: type your symbol ($, £, €, AED, ₹ ...)
• Edit categories and amounts to fit your life
• Excel (Microsoft 365, Excel 2016 or later) and Google Sheets (free with a Google account)

HOW IT WORKS
1. Download the files after purchase.
2. Open in Excel, or upload to Google Drive and open with Google Sheets.
3. Fill in the Setup tab (about 10 minutes).
4. Log your spending as you go. The dashboard updates by itself.

GOOD TO KNOW
• This is a digital download. No physical item will be shipped.
• This is a budgeting tool, not financial advice.
• Personal use only. Please don't resell or share the file.
• Because this is a digital file, returns aren't accepted, but if anything doesn't work, message us and we'll fix it.

HOW THIS WAS MADE
Designed by YellowCellStudio with the help of AI tools, under the guidance of Mujahid Saif. Every formula is tested in Excel and Google Sheets, and each file is reviewed and verified by Mujahid Saif before release.

Questions? Send us a message on Etsy. We usually reply within 24 hours.