2027 Budget Planner Excel Spreadsheet, Paycheck Budget, Irregular Income, Debt Snowball, Sinking Funds, Biweekly Budget, Monthly Budget

Budget the way you actually get paid. A 2027 budget spreadsheet that plans paycheck by paycheck (weekly, biweekly, semi-monthly or monthly) and also handles irregular income from freelance, gig, tips or commission work. Add sinking funds, a debt snowball and an automatic dashboard, all in one file for Microsoft Excel.

What makes it different

- Paycheck-by-paycheck plan: set your first payday once and all your 2027 paydays fill in. Each paycheck shows the bills due before your next payday and what's left to spend, plus a running balance so a big rent paycheck never surprises you.

- Irregular income plan: rank your expenses, and each month's income fills them from the top down (essentials first). You'll also see your average and lowest month so you can set a safe baseline.

- Debt snowball or avalanche: switch methods with one click. You get your payoff order, a payoff month for every debt, your debt-free date and the total interest.

- Sinking funds: a monthly target for each big yearly cost (car, Christmas, vacation, insurance) with progress bars.

- Auto dashboard: income, spending, savings rate and budget vs. spent by category for any month you pick, plus 4 charts that update by themselves.

- ADHD-friendly color coding: every tab has its own color, yellow cells are for typing and everything else is automatic.

What's inside

- 2027 Budget Planner (blank), ready for your real numbers

- SAMPLE version filled with example numbers, so you can see how it works

- Quick-start guide (PDF): opening it in Excel, plus a 20-minute setup

- 11 tabs: Start Here, Dashboard, Paychecks (up to 53), Irregular Income, Bills (40), Categories (25), Income Log (300 entries), Expenses (1,000 entries), Sinking Funds (15), Debt Snowball (8 debts) and a 10-year Payoff Plan

Works with: Microsoft Excel 2016 or newer, Microsoft 365, Excel for Mac and Excel on the web (free with a Microsoft account). No macros, no add-ons, no bank logins and no subscription.

Digital download only. Nothing will be shipped. You'll get a download link right after checkout.

Made with AI help: This planner was designed with AI assistance. I then built, tested and checked every formula by hand.

Please note: this is a budgeting tool, not financial advice. For personal use only. Please don't share or resell the files. Because this is a digital item, I can't accept returns. If anything isn't working, message me and I'll help.