2027 Paycheck Budget Spreadsheet – Biweekly Budget Template for Google Sheets & Excel
Plan every paycheck of 2027 — and know exactly where each dollar goes before payday.
This 2027 Paycheck Budget Spreadsheet is built for people paid every two weeks. Enter your first payday and take-home pay once, and all 26 pay dates, paycheck plans, and your annual dashboard fill in automatically.
WHAT'S INSIDE (7 tabs)
• Start Here — simple step-by-step instructions
• Settings — first payday, income, extra debt payment, strategy, and up to 12 custom spending categories
• Paycheck Plan — all 26 paychecks: income, bills due, savings, debt, spending, and what's left (plan vs. actual)
• Bills Tracker — 20 bills, due dates, autopay, which paycheck pays it, and monthly ✓ checkboxes
• Debt Payoff — Snowball or Avalanche with one click: priority order, payoff months, interest estimate, debt-free date
• Savings Goals — 8 goals with progress bars and paychecks-to-go
• Annual Dashboard — yearly totals, savings rate, month-by-month table, and 3 auto-updating charts
WHY BIWEEKLY?
Two months of 2027 have a third "bonus" paycheck. The planner flags them automatically so you can send that money straight to savings or debt.
FEATURES
✔ Works in Google Sheets (free) and Microsoft Excel
✔ Formulas are protected so nothing breaks — just fill in the yellow cells
✔ Comes with example data so you can see how it works; clear it in seconds
✔ Clean navy, sage & cream design
✔ Instant digital download — no physical item ships
HOW TO OPEN
Google Sheets: upload the .xlsx to Google Drive > Open with Google Sheets > File > Save as Google Sheets.
Excel: open the file in Excel 2016 or newer (desktop or Microsoft 365).
Apple Numbers is not supported.
PLEASE NOTE
• Digital file for personal use only; reselling or sharing is not allowed.
• Requires a free Google account or Microsoft Excel.
• This is a budgeting tool, not financial advice.
• Due to the digital nature of this product, returns aren't accepted, but message me with any questions and I'll be happy to help!