Paycheck Budget Planner Spreadsheet
Budget by paycheck, not by month — every bill assigned to the payday that covers it
Instant download · personal-use license · lifetime updates
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- 11 sheets
- Formats: .xlsx (Excel 2016+, Google Sheets) + PDF guide
- ZIP: 158 KB
Set it up, use it for at least a week, and if it genuinely isn't right for you, send us a message within 14 days with a screenshot of your setup and we'll refund you in full.
Most budgets fail on a technicality: bills arrive on the 1st, the 5th, the 15th and the 27th, but your money arrives every other Friday. The Paycheck Budget Planner plans around your actual pay dates. Enter one pay date and your pay frequency — weekly, biweekly, semi-monthly (1st & 15th or 15th & last day) or monthly — and it generates your next 26 pay periods and assigns each of your bills to the paycheck that has to cover it.
On payday you open the Paycheck Plan tab, pick the paycheck number, and see exactly what that money has to do: the bills due before the next paycheck (with due dates and autopay flags), your spending targets for groceries, fuel and fun, the sinking-fund transfers, and what is left over. A 1,000-row spending log assigns every purchase to the right paycheck automatically, so the plan shows how much is genuinely left to spend right now.
The Dashboard tracks your next pay date, the bills due before it and your running buffer; the Bill Calendar shows 12 months of due days with paydays highlighted; Monthly Summary flags your 3-paycheck months; and the Sinking Funds and Debt Snowball tabs turn per-paycheck amounts into completion and payoff dates. Excel 2016+ and Google Sheets, no macros, every formula visible.
What you get
- 11 sheets, 6,900+ live formulas, zero macros — works in Excel 2016+ and Google Sheets
- Pay schedule generator: weekly, biweekly, semi-monthly (two variants) or monthly, with a weekend-payday rule (Friday before / Monday after)
- Up to 40 monthly bills, each assigned to the paycheck that covers its due date (bills due on the 29th–31st handled in short months)
- Paycheck Plan: pick a paycheck number and get its bill list, spending targets, savings transfers and leftover
- 1,000-row spending log with paycheck and month assigned automatically; per-category target vs. actual
- 12-month Bill Calendar with payday highlights and a bills-by-category breakdown
- Dashboard with 12 KPIs and 3 charts; Monthly Summary flags 3-paycheck (or 5-paycheck) months
- 10 sinking funds with estimated completion dates; 8-debt snowball calculator with payoff months (NPER)
- Realistic sample household included — clear it in one keystroke and start with your own numbers
- Google Sheets instructions PDF included · free lifetime updates
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What's inside
Questions
Which pay frequencies does it support?
Weekly, biweekly (every two weeks), semi-monthly on the 1st and 15th, semi-monthly on the 15th and last day, and monthly. You can also choose what happens when a payday lands on a weekend: keep the date, move to the Friday before, or move to the Monday after.
My pay varies from paycheck to paycheck. Does it still work?
Yes. Settings holds your typical net pay, and the Pay Schedule has an "Actual income" column — type the real amount for any paycheck and that period (and everything downstream) uses it instead.
How does it know which paycheck pays which bill?
Each paycheck covers the bills due from its pay date up to the day before the next pay date. You enter each bill's due day of the month once; the planner works out the exact due date for every period. Bills due on the 29th–31st are treated as due on the last day of shorter months.
Does it work in Google Sheets?
Yes. Upload the .xlsx to Google Drive and choose File → Save as Google Sheets. The workbook uses only classic, Sheets-compatible functions — no macros, no array formulas. A short instructions PDF is included.
What about bills that are not monthly, like annual insurance?
Put them in Sinking Funds: enter the amount, the target date and what you have saved, and the sheet tells you how much each remaining paycheck needs to contribute. The contribution is added to every paycheck plan as "Savings".
Is there sample data in the file?
Yes — a fictional household (14 bills, 7 spending targets, 40 logged purchases, 7 sinking funds, 5 debts) so the charts look alive on first open. Select the yellow cells and press Delete to clear it; all formulas stay intact.
Can two people share it?
The licence covers one household. Open the Google Sheets version on any number of your own devices, or share the Sheet with your partner.
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Personal-use license for one household. No resale or redistribution. Delivered as a ZIP download immediately after payment. No physical item will be shipped.
