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2027 Paycheck Budget Spreadsheet, Sinking Funds, Debt Snowball, Bill Calendar, Google Sheets Excel

NowPrice:$8.26

Original Price: $11.01

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Highlights

  • Designed by YourUsefulSheet
  • Digital download
  • Digital file type(s): 1 PDF, 4 other files

2027 paycheck budget spreadsheet for Google Sheets and Excel: see what's left to spend before your next payday, and your whole year of bills, savings and debt in one place.

Made for people paid weekly, every two weeks, twice a month or monthly, on their own or as a couple. You fill in the colored cells, the file does the math.

WHAT YOU GET
- The 2027 Budget in English: Example version (a full year already filled in) and Blank version
- The same file in French (Exemple + Vierge)
- A quick-start PDF guide in English and French, with the Google Sheets "Make a copy" link

HOW IT WORKS
1. Download your files from You > Purchases on Etsy.
2. Open the PDF guide and pick Excel or Google Sheets.
3. Enter your pay frequency and first payday: every payday of the year is calculated for you.

FEATURES
- Paycheck budget: pick a payday and see the bills to pay, your envelopes and what's left until the next one
- All your 2027 paydays, with the months that have 3 paychecks flagged
- Bill calendar: each bill lands in the paycheck that covers it
- Expense log sorted automatically by paycheck, month and category
- Monthly planned vs actual, and a yearly dashboard with savings rate and the 50/30/20 split
- Sinking funds and savings goals with progress bars
- Debt payoff: snowball or avalanche, payoff order and estimated debt-free date
- Optional second income for a couples budget, any currency, your own categories
- Things to check: the file flags gaps and inconsistencies
- Reusable every year: just change the year

COMPATIBILITY
- Microsoft Excel 2016 and later (Windows, Mac, web) and Google Sheets (free with a Google account)
- Works in the Excel and Google Sheets phone and tablet apps
- Not compatible with Apple Numbers

PLEASE NOTE
- Instant digital download: nothing is shipped.
- Personal use only: please don't share or resell the files.
- This is an organizing tool, not financial advice.

QUESTIONS?
Send us a message on Etsy: we reply within 48 hours.

Want something lighter? The one-page Simple Budget is also available.

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Listed on Oct 31, 2026
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