2027 Budget Spreadsheet for Paychecks and Irregular Income

Who it’s for

It’s made for anyone paid weekly, every two weeks, twice a month or monthly. Every 2027 payday is listed for you, the two extra-paycheck months of a biweekly year are flagged, and each bill is matched to the paycheck that pays it.

It’s also built for freelancers, gig workers, commission earners and the self-employed. Switch on irregular income mode and budget from a baseline you choose or from your lowest month so far, set a percentage aside for tax and grow a buffer fund.

What’s inside, tab by tab

Start Here

Three steps, one colour 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, extra-paycheck months flagged, and the bills each paycheck has to cover.

Budget Plan

A budget for every category and month, either zero-based “left to assign” or the 50/30/20 check.

Transactions

One list for all money in and out, with 3,000 rows and category dropdowns, instead of twelve copied monthly tabs.

Monthly View

Pick a month to see budget, roll-over, actual and what’s left for every category.

Bills

Due days, autopay and a paid checklist for all 12 months, sorted by due date.

Sinking Funds

Up to 30 funds, with the amount to save each month to reach each target on time.

Debt Payoff

Up to 10 debts, snowball and avalanche side by side, with your debt-free date and total interest.

Savings & Net Worth

Savings goals and a monthly net worth snapshot with a chart.

Year Summary and Dashboard

Income, spending, savings and savings rate by month and category, plus eight key numbers, three charts and your biggest overspends.

Excel and Google Sheets

The workbook is an .xlsx file that opens in Excel 2010 or later, Excel for Mac and LibreOffice. For Google Sheets, upload the .xlsx to Google Drive, double-click it, choose Open with Google Sheets, then File > Save as Google Sheets. Formulas and dropdowns carry over; Google redraws the charts, so they can look slightly different. The quick-start guide walks you through it. Type your own currency symbol on Setup and the whole workbook uses it.

There are no macros and nothing to install. Every formula uses only functions that Excel and Google Sheets share, and before release the workbook was filled with a full sample year and checked by 158 automated tests. Apple Numbers can open the file but isn’t supported.

How delivery works

You buy on Etsy, with Etsy’s checkout and buyer protection. As soon as payment goes through, the download is ready on your Etsy Purchases page and Etsy emails you a link. You get one ZIP file containing:

• Budget_Spreadsheet_2027.xlsx
• Quick_Start_Guide.pdf (6 pages)

Nothing is shipped. Because it’s a digital file, Etsy returns don’t apply, but if something isn’t working, send a message through the shop and we’ll help put it right.

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