This paycheck budget template plans your money one paycheck at a time. Tell it how often you're paid and when your bills are due, and every paycheck gets its own card showing the bills it has to cover, your savings and what's left to spend until the next payday.
Who this template is for
- Workers paid weekly or biweekly
- Anyone living paycheck to paycheck who wants breathing room
- People who plan bills around payday
Features
- Any pay schedule: weekly, biweekly, twice a month (15th and last day) or monthly. Paydays are calculated for you.
- Bills matched to paychecks by due date, for up to 30 monthly bills.
- One card per paycheck with take-home pay, bills, savings, left to spend and a progress bar.
- Month summary of income, bills, savings and money left.
- Year view showing how many paychecks land in each month, with 3-paycheck months highlighted.
- Negative balances turn red so you can move a bill or adjust savings in time.
How to use your paycheck budget
- Download the file right after checkout.
- Open it in Excel, or upload it to Google Drive and open it with Google Sheets.
- Enter your pay schedule, take-home pay and bills on the Setup tab.
- Choose a month on the Paycheck Plan tab.
What's included
- 1 Excel file (.xlsx) with a Start Here guide, Paycheck Plan, Setup and Year tabs, with example data.
- Automatic formulas and a chart, no macros.
Compatibility
Works in Microsoft Excel for Microsoft 365 (Windows and Mac) and in Google Sheets.
FAQ
What is a paycheck budget?
Instead of budgeting the whole month at once, you plan each paycheck: which bills it pays before the next one arrives and how much is left to spend.
What happens to bills due before my first payday?
They are paid from the last paycheck of the previous month and appear in that month's plan.
Is this a subscription?
No. It is a one-time purchase and the file is yours to keep.
Does it work in the free version of Google Sheets?
Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets. A free Google account is all you need.
Can I use it on a Mac, iPad or phone?
Yes. It works in Excel for Mac and Windows, Excel online and the Google Sheets app. For editing, a computer or tablet is the most comfortable.
How do I get the file?
Right after checkout you get a download link on the confirmation page and by email.
More templates like this: Budget Planners.
This is a digital product. No physical item will be shipped.
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