TidySheetHouse
2027 Budget Spreadsheet
Budget by paycheck: every payday of 2027 with the bills it has to cover, plus sinking funds and a debt-free date.
A 2027 budget spreadsheet built around your paychecks. Every payday of the year is listed for you, with the bills each paycheck has to cover before the next one arrives. Plan each month so every dollar has a job, track your spending, and see your sinking funds and an estimated debt-free date. For one person or one household, in Microsoft Excel and Google Sheets.
What You Get
- 2027-Budget-Spreadsheet.xlsx: your budget, ready to fill in
- DEMO file: a full sample year for a fictional household, so you can see every tab working first
- Quick start PDF: how to open it and fill it in
9 Tabs
- Start Here: 4 simple steps
- Setup: household name, currency, year, how often you're paid (weekly, every two weeks, twice a month or monthly), first payday, usual take-home pay, editable categories and accounts
- Paychecks: every payday of the year, calculated for you, with the bills due before the next payday and what's left. Months with an extra paycheck are highlighted
- Bills: up to 30 recurring bills with due day, amount, category and autopay. Monthly, every 3 months, every 6 months or yearly. A 12-month paid grid, overdue flags and the next 5 bills due
- Budget: a zero-based plan by month. Type a default per category and change only the months that differ. Left to assign shows income minus your plan
- Transactions: 3,000 ready rows. The category decides whether a row is income, spending or saving. Missing details get flagged
- Sinking Funds & Goals: up to 10 funds and goals with target, date, saved so far and the monthly amount needed
- Debt Payoff: up to 8 debts. Choose snowball or avalanche and see the payoff order, estimated payoff month and total interest, month by month
- Dashboard: pick a month to see income, spending, saved, savings rate, bills paid and planned vs actual, plus the whole year by month
Why This One
- Budget by paycheck: you see which bills each paycheck pays, not just monthly totals
- Paydays are calculated from your pay schedule, including weekend paydays for twice-a-month and monthly pay
- Quarterly, twice-a-year and yearly bills land in the right month
- Money you move to savings counts as saved, not spent
- Reusable: change the year on Setup and the paydays and due dates move with it
- Formulas are protected from accidental edits (no password)
How It Works
- Download instantly after purchase
- Open in Excel, or upload to Google Drive and open with Google Sheets (free Google account)
- Set your pay schedule and bills once, then plan, log and check the Dashboard
Inside the file
These images are drawn from the real workbook, so what you see is what you download.
Questions
- Is this a subscription?
- No. You pay once, and the files are yours to keep.
- Does it connect to my bank?
- No. You enter transactions yourself, so nothing is shared with anyone.
- Can I use it for 2028?
- Yes. Change the year on Setup.
- What if two of us get paid?
- One pay schedule is built in. Log a second paycheck on Transactions as income.
- Is it a printable planner?
- No. It's a spreadsheet that calculates for you.
- Designed by me with the help of digital tools, including AI, then tested formula by formula
- Digital product: nothing will be shipped
- Set it up on a computer in Excel or Google Sheets (not tested in Apple Numbers). The Etsy app can't open downloads: use etsy.com › Purchases
- Requires Microsoft Excel 2010+ / Microsoft 365, or a free Google account for Google Sheets
- Debt payoff and goal figures are estimates. This is a planning template, not financial advice
- Questions? Send me a message. Happy to help
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