2027 Family Budget Spreadsheet, Monthly Budget Planner, Paycheck Budget, 50 30 20 Dashboard, Debt Snowball & Savings Goals

Seller's description

### What it is
One spreadsheet for your family's whole money year — a 2027 monthly budget for all 12 months, a paycheck planner that maps bills to paydays, a 50/30/20 dashboard, a debt snowball and savings goals, all in one file. Type your numbers in the yellow cells and every total, split and progress bar updates by itself.

### Exactly what you receive (instant download, 1 ZIP file)
- `2027-Family-Budget-Paycheck-Spreadsheet.xlsx` — the workbook, 6 tabs (Excel, importable into Google Sheets).
- `guide.md` — a short buyer guide explaining each tab, how to import into Google Sheets, how the 50/30/20 split and the debt snowball work, and how to clear the sample data.

### What is inside the workbook (6 tabs)
- Start Here — how to use the file, the colour code, and 5 self-checks that should all say PASS before you type anything.
- 2027 Monthly Budget — income vs expenses by category for Jan–Dec 2027, with automatic monthly and yearly totals and a surplus row. Sample family: $82,400 income for the year, $76,730 expenses, $5,670 surplus.
- Paycheck Planner — 24 semi-monthly paychecks (1st and 15th of each month) with 14 fixed bills assigned to each payday, so you always know what is left after bills. Sample: $4,105 of bills a month.
- 50-30-20 Dashboard — your real needs / wants / savings split against the 50% / 30% / 20% guide. Sample family: 62.4% needs, 17.0% wants, 13.7% savings.
- Debt Snowball — 5 sample debts ($18,200 total, $540 a month in minimums) ranked smallest balance first, with an estimated payoff time and an interest-saved estimate for each debt.
- Savings Goals — 4 sample goals ($14,200 in targets, $4,220 saved so far) with automatic % saved, a progress bar and months to reach each goal.

### Formats and compatibility
Excel (.xlsx), importable into Google Sheets via File > Import (a free Google account is required; the buyer guide explains the steps). There is no native Google Sheets copy link for this product. No macros. No app is included and no physical item is sent.

### How it works after purchase
1. Buy the listing and download instantly from Etsy.
2. Open the buyer guide first — it tells you which cells to type in and which to leave alone.
3. Check the 5 self-checks on Start Here, then clear the yellow sample data and type your own numbers.
4. Start on the 2027 Monthly Budget tab, then the Paycheck Planner, and let the dashboards do the rest.

### What it is NOT
It is not a bank app and does not pull in your transactions — you type your own numbers. It does not pay bills, move money or calculate tax, and it is not financial advice. Debt payoff months and interest saved are estimates (the guide explains what they do and do not include). It is a planning and tracking system only.

### How this is different from the shop's other budget listings
The Paycheck Budget listing ($12.99) budgets by pay period only, and the Debt Payoff listing ($14.99) is a debt-only tracker with a full month-by-month schedule. This listing is the full-year family system: a dated 2027 monthly budget plus paycheck planning, a 50/30/20 dashboard, a debt snowball and savings goals in one file. It does not replace either listing — it is the bigger, all-in-one version for a family planning the whole year.

## FAQ
**Q: Does this work in Google Sheets?**
A: Yes. It is an Excel (.xlsx) file that imports into Google Sheets via File > Import, as explained in the guide. There is no native Google Sheets copy link for this product.

**Q: Is this the same as the Paycheck Budget listing?**
A: No — that listing ($12.99) budgets by pay period only. This one adds a full dated 2027 monthly budget, a 50/30/20 dashboard, a debt snowball and savings goals in the same file.

**Q: Is this the same as the Debt Payoff listing?**
A: No — that listing ($14.99) is a debt-only tracker with a full month-by-month snowball schedule. This one includes a debt snowball tab with estimates, plus the full-year budget, paycheck planner, dashboard and savings goals. The snowball figures here are estimates and do not model freed payments rolling to the next debt.

**Q: What if my pay is weekly or monthly, not semi-monthly?**
A: The Paycheck Planner is set up for the 1st and 15th of each month (24 paychecks). If you are paid weekly or monthly, use the 2027 Monthly Budget tab for your main plan and treat the Paycheck Planner as a guide, or see the shop's Paycheck Budget listing, which supports weekly and biweekly pay.

**Q: Does the 50/30/20 dashboard tell me what to spend?**
A: No — it shows your real split against the 50% / 30% / 20% guide, and you can change the target percentages. It is a guide, not a rule.