Budget Pro AU 2026-27, Australian Budget Planner, Google Sheets and Excel, Fortnightly Pay, Bills Due This Pay, Tax and HECS

Budget Pro (AU) is an Australian budget planner for Google Sheets and Excel that tracks every pay — not just the month — for people on fortnightly (or weekly/monthly) pay who want bills, tax and HECS extras in one place.

Works with: Excel 2019+ / 365, Google Sheets (on a computer), print (A4 or US Letter). Instant download. No subscription. Yours to keep.

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WHAT'S INCLUDED
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• Includes a filled EXAMPLE workbook, Access Guide (Google Sheets link), and Quick Start / how-to notes — open EXAMPLE before your blank.
• Access guide PDF with Google Sheets and Excel buttons
• Quick Start (how to use the planner — included with your download)
• The planner in Google Sheets and Excel, plus an EXAMPLE filled with fictional sample data
• 6 tabs to start: Start Here, Dashboard, Fortnightly Budget, Bills, Spending Log, Savings & Debt
• AU extras when you want them: Pay & Tax, HECS-HELP, Super, Net Worth, Year View
• Room for 40 bills, 40 budget lines, 600 log lines, 8 savings goals and 8 debts

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HOW IT WORKS
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1. Open the access guide, make your Google Sheets copy (or open the Excel file), then open the EXAMPLE first so you can see how a filled plan looks.
2. On Start Here, set your financial year, first payday and pay frequency. Type only in the soft cream cells with a dark edge — everything else is protected.
3. Add bills and log spending — the Dashboard shows what's left this pay, bills due this pay, and your debt-free date.

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WHY YOU'LL LOVE IT
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• "Due this pay" bill list so you know exactly what this pay has to cover
• 27-pay years flagged so an extra payday doesn't catch you out
• Planned vs actual for each pay, not only each month
• A visible "Totals OK" check that re-tests as you type
• Free yearly rates update each July (tax, HECS-HELP and super), starting July 2027 — re-download from your Etsy Purchases page
• Easy-to-read layout with colour-coded categories and charts

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FAQ
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Q: Does this work in Google Sheets and Excel?
A: Yes. You get an Excel workbook and a Google Sheets link (via the Access Guide). Use whichever you prefer — no subscription to YamCo.

Q: How do I download and open it?
A: After purchase, open your Etsy Purchases (or confirmation email) and download the files. Start with the Access Guide PDF — it has the Google Sheets button and any backup link. Then open the EXAMPLE file before the blank.

Q: Can I use it on my phone?
A: You can view it on a phone, but setup and day-to-day typing are much easier on a computer or tablet. The Sheets / Excel mobile apps hide some features — we recommend a laptop or desktop for the first setup.

Q: Is this for personal use only?
A: Yes — for personal use only. Please don't share the download link or resell the files.

Q: What's your refund policy on digital files?
A: Digital files can't be returned for a change of mind once downloaded, so please check the details and preview before buying. If a file is faulty or doesn't match the description, message us and we'll fix it or send a replacement. If we can't fix it, or there's a major problem, you can choose a refund instead. This doesn't affect your rights under your local consumer law.

Q: Where should I start so it isn't confusing?
A: Open the EXAMPLE file first (about 2 minutes) — it's filled with sample data so you can see how it works. Then open your blank file and type only in the soft cream cells with a dark edge — everything else is protected. Start Here is the first tab.

Q: Where do I type?
A: Type only in the soft cream cells with a dark edge — everything else is protected.

Q: Is this financial or tax advice?
A: No. Tax, Medicare, HECS-HELP and super figures are estimates based on ATO 2026–27 resident rates. General information only.

Q: Is there a video walkthrough?
A: https://youtu.be/kD8dnf7mO8I

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ALSO FROM YAMCO
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• Monthly Budget Planner (any currency): https://www.etsy.com/listing/4606032169/monthly-budget-planner-spreadsheet
• Steady Pay Budget (irregular / freelance income): https://www.etsy.com/listing/4608846908/irregular-income-budget-spreadsheet

PLEASE NOTE
• Tax, Medicare, HECS-HELP and super figures are estimates, not tax or financial advice. Assumes an Australian resident for the full year, claiming the tax-free threshold, single for Medicare.
• For personal use only. Please don't share or resell.

THE YAMCO WORKS-OR-WE-FIX-IT PROMISE
Digital files can't be returned for a change of mind once downloaded, so please check the details and preview before buying. If a file is faulty or doesn't match the description, message us and we'll fix it or send a replacement. If we can't fix it, or there's a major problem, you can choose a refund instead. This doesn't affect your rights under your local consumer law.

AI disclosure: YamCo makes its products with the help of AI tools. AI was used to build this spreadsheet, run its automated formula and tax checks, and draft this description, following YamCo's design and brief.

YamCo