Paycheck Budget Planner
Enter your pay and your bills once. See which pay covers which bill, what's left over every payday, and get a warning before you come up short.
- Weekly, biweekly, twice a month, every 4 weeks or monthly pay, in US dollars
- Works in Microsoft Excel and Google Sheets (free)
- Two looks, Soft and Classic, each as a Blank and a filled-in Example
- No app, no sign-up, no subscription. Nothing locked.
What's inside
Paycheck Plan
Every payday for the year: the bills each one pays, your spending and savings, what's left over and a running balance. "Covered" and "Short" show problems before they happen.
Dashboard
Your year at a glance, with number tiles and three charts.
Bill Calendar
A month view with each day's bills and your paydays highlighted.
Debt Tracker and Debt Plan
Avalanche or snowball, payoff order, debt-free dates and interest, month by month.
Savings Goals and Subscriptions
How much to save each payday, and what each subscription really costs per year.
Spending Log and Year Summary
Each purchase matched to its pay period, plus budget against actual by category.
What you download
- Blank file, Soft look
- Blank file, Classic look
- Example file (filled in), Soft look
- Example file (filled in), Classic look
- Quick Start Guide (PDF)
Excel files (.xlsx) that also open in Google Sheets. This is a digital download; nothing is posted.