2027 Budget Spreadsheet, Paycheck and Irregular Income Budget Planner, Google Sheets & Excel, Sinking Funds, Debt Snowball, Bill Tracker

A 2027 budget spreadsheet that plans around your actual paychecks, or around income that changes every month. Type in your pay and your spending, and the budget, bills, sinking funds, debt payoff and dashboard work themselves out.
Made for anyone paid weekly, every two weeks, twice a month or monthly, and for freelancers, gig workers, commission earners and the self-employed whose income is different every month.

WHAT'S INSIDE (13 tabs)
- Start Here: three steps, one color rule (yellow cells are where you type) and quick answers
- Setup: currency, pay frequency, first 2027 payday, take-home pay, irregular income settings, budget method and up to 70 categories
- Paychecks: every 2027 payday worked out for you, extra paycheck months flagged, the bills each paycheck has to cover
- Irregular income mode: budget from a baseline you set or your lowest month so far, a tax set-aside % and a buffer fund goal
- Budget Plan: a budget for every category and month, zero-based "left to assign" or the 50/30/20 check
- Transactions: one list for all money in and out (3,000 rows) with category dropdowns
- Monthly View: pick a month to see budget, roll-over, actual and what's left for every category
- Bills: due days, autopay, paid checklist for all 12 months, sorted by due date
- Sinking Funds: up to 30 funds, with the amount to save each month to hit each target on time
- Debt Payoff: up to 10 debts, snowball vs avalanche side by side, debt-free date and total interest
- Savings & Net Worth: savings goals and a monthly net worth snapshot with a chart
- Year Summary: income, spending, savings and savings rate by month and by category
- Dashboard: 8 key numbers, 3 charts and your biggest overspends so far

HOW IT WORKS
1. Set up in 10 minutes: currency, pay schedule and take-home pay, or switch on irregular income.
2. Plan the year: give every dollar a job on Budget Plan, then add your bills, sinking funds and debts.
3. Track and check in: add transactions as you go. Monthly View and the Dashboard update by themselves.

WHAT MAKES IT DIFFERENT
- Built for irregular income: no workarounds or messages to the seller. Budget on a safe baseline or your lowest month, keep tax money aside and grow a buffer fund.
- Paycheck planning included: every 2027 payday is listed, the two extra-paycheck months of a biweekly year are flagged, and each bill is matched to the paycheck that pays it.
- Debt payoff and sinking funds in the same file: snowball and avalanche compared month by month for up to 10 debts, with your debt-free date and total interest.
- One transaction list instead of 12 copied monthly tabs, so it stays simple and fast.
- Your categories: 35 to start, room for 70, each in a group (Needs, Wants, Savings, Debt) so the 50/30/20 check works with any list.
- Works the same everywhere: every formula was tested in LibreOffice with a full sample year, and uses only functions that Excel and Google Sheets share. No macros.

FILE FORMAT
You receive one ZIP file containing:
- Budget_Spreadsheet_2027.xlsx (Excel 2010 or later, Excel for Mac, LibreOffice)
- Quick_Start_Guide.pdf (6 pages)
Google Sheets: upload the .xlsx to Google Drive, double-click it and choose Open with Google Sheets, then File > Save as Google Sheets. Formulas and dropdowns carry over; Google redraws the charts, so they may look slightly different. The guide has the steps.
Use any currency: type your symbol on Setup.
Apple Numbers can open the file but is not supported.

Digital download, nothing is shipped.

Because this is a digital file, returns and exchanges aren't accepted. If something isn't working, message me and I'll help put it right.

Not financial advice. The workbook helps you plan and track your own money; payoff dates and interest are estimates.

Designed by WrenWorks with AI assistance.