Which months have 3 paychecks in 2027?

With Friday biweekly paydays starting January 1, 2027: January, July and December. Starting January 8, 2027: April and October.

What should I do with a third paycheck?

Plan your regular months on two paychecks and use the third for savings, sinking funds or extra debt payments.

Three-Paycheck Months in 2027 (Biweekly Pay)

On a biweekly schedule most months have two paydays, but two or three months a year have three. Which ones depends on your first payday of the year.

2027, Friday paydays

If your first 2027 payday is	Three-paycheck months	Paychecks in 2027
Friday, January 1	January, July, December	27
Friday, January 8	April, October	26

Paid on another weekday? Count forward 14 days at a time from your first payday; any month that gets three dates is a three-paycheck month.

How to use the third paycheck

Build your plan so every month runs on two paychecks.
Give the third one a job before it arrives: emergency fund, extra debt payment, or a sinking fund such as Christmas or car repairs.
Bills still follow the rule: each is paid from the last paycheck before its due date.

Quick answers

Which months have 3 paychecks in 2027?: With Friday biweekly paydays starting January 1, 2027: January, July and December. Starting January 8, 2027: April and October.
What should I do with a third paycheck?: Plan your regular months on two paychecks and use the third for savings, sinking funds or extra debt payments.

Let a spreadsheet do the matchingThe Paycheck Budget Spreadsheet (Google Sheets and Excel) lists every payday of the year, puts each bill on the right paycheck, and shows what's left to spend. Weekly, biweekly, twice-a-month or monthly pay. $24, pay once.
See the spreadsheet