2027 Paycheck Budget Planner Spreadsheet: Biweekly Bill Tracker by Pay Period, Monthly Budget, Excel and Google Sheets

See exactly which bills each paycheck has to cover. Type in how often you're paid and your due dates, and every bill is matched to the paycheck that lands before it's due.

SAVE WITH THE BUNDLE: this file is also in the 2027 Money Bundle, $15 for all 6 spreadsheets ($37 if bought one by one, so you save $22): https://payhip.com/b/lr2gf

What's inside:

- Setup: weekly, every 2 weeks, twice a month or monthly pay, your first payday, your usual take-home pay, and how much to save and spend from each paycheck.

- Bill List: up to 40 bills with amount, due day, category and autopay. Leave the month blank for monthly bills, or type a month for once-a-year bills like insurance or registration.

- Paychecks: a full year of paydays with the bills due before the next payday, savings, spending money, one-off costs and what's left over. Type in an actual amount for any paycheck that's different.

- Running total and status: OK (this paycheck covers itself), Covered (it's short, but money left from earlier paychecks covers it) or Short (short even with everything carried forward).

- Bill Map: a grid showing which bills each paycheck pays.

- Summary: totals for the year, your next payday from today, paychecks by month (3-paycheck months are highlighted) and bill totals by category.

- Instructions tab first, dropdowns, locked formula cells and a layout designed for small screens.

Who it's for: Anyone living paycheck to paycheck, or anyone who wants to stop guessing whether rent or the car payment comes out of this check or the next one.

Not financial advice. The file only does math on the numbers you type in.

Everything is typed in by hand. There is no live data and no account connection. The sample data is made up, so you can delete it and enter your own.

Format: one .xlsx file. Open it in Excel, or upload it to Google Sheets. It uses only standard formulas that both support. No macros, no add-ons, no links to other files.

Delivery: instant download after checkout. The download link is also in your receipt email.

Questions or a problem with the file? Use this store's Contact page, or email the address in your receipt. If the file doesn't work for you, we'll fix it or refund you.

License: personal use. Use it for yourself. Please don't resell, share or re-upload the file.

Built and tested with AI assistance.