2027 Paycheck Budget Spreadsheet

2027 Paycheck Budget Spreadsheet

Budget by paycheck, pay off debt with the snowball method and hit your savings goals. Excel and Google Sheets, with a filled-in example and a step-by-step guide.

$12.99

Buy on Etsy
  • Excel and Google Sheets
  • Blank and filled-in example
  • Instant download
  • Secure checkout on Etsy

See it working

Real screenshots from Microsoft Excel, taken after each keystroke and played in order. Nothing is mocked up: this is the example file you download.

Dashboard: switching the month from March to February to January. Every total, bar and chart recalculates from the Transactions tab.
Debt Payoff tab: raising the extra monthly payment from 150 to 600 to 1,200 moves the debt-free date from August 2030 to July 2028.

A simple, smart budget that works the way you get paid. Plan each paycheck, see where every dollar goes and watch your debt shrink and your savings grow, all in one workbook.

What’s inside

  • Dashboard with your month at a glance: income, spending, savings and debt
  • Paycheck planner so you budget each pay period, not just the month
  • Monthly budget with planned vs actual by category
  • Debt snowball tracker with payoff order and dates
  • Savings goals with progress bars
  • Bills calendar so nothing is missed
  • Start Here guide and a filled-in example version

How it works

  1. Download and open in Excel, or upload to Google Drive and open with Google Sheets.
  2. Set your pay dates, categories and goals on the Setup tab.
  3. Type only in the yellow cells. Everything else updates by itself.

What you get

  • Blank workbook (.xlsx) plus a filled-in example
  • Works in Excel 2016+ and Google Sheets
  • Instant download. Nothing is shipped.

Made by YellowCellStudio, a product of QSE Advisory. Before release, every file is opened in Microsoft Excel and Google Sheets and checked tab by tab for formula errors, and it only uses functions that Excel 2016 and newer support.

Questions

Do I need Excel?

No. It is tested in Microsoft Excel and in free Google Sheets, and it only uses functions that Excel 2016 and newer support, including Excel for Mac and Microsoft 365.

How do I get the file?

Buy on Etsy and the download link appears straight away. Nothing is shipped.

Is it hard to use?

You only type in the yellow cells. Totals, dashboards and charts update by themselves, and a Start Here tab explains each step.

What if something doesn’t work?

Message us on Etsy. We fix errors fast and will help you set up the file.