Paycheck Budget Planner Spreadsheet for Google Sheets and Excel

BIWEEKLY PAYCHECK BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

A paycheck budget planner for people who get paid every two weeks. Budget one paycheck at a time. It shows which bills each paycheck has to cover and how much is left until the next payday. A pay period that will come up short shows up weeks ahead.
Works for weekly, every-two-weeks, twice-a-month and monthly pay.

📊 WHAT IT DOES

✓ Pay schedule: lays out your next thirty paydays from two settings, how often you are paid and your next payday.
✓ Bills by paycheck: matches every bill to the paycheck that pays it, so a short pay period shows up early.
✓ This paycheck: what is left of the current paycheck, the bills still due before the next one, and what you can spend per day.
✓ Paycheck plan: gives every dollar of a paycheck a job before you spend it.
✓ Third paycheck: finds the months with an extra paycheck and lets you plan what it goes to.
✓ Pay gaps: lists the bills that are due just before payday, so you can ask to move the date.
✓ Buffer: sizes your cushion from the tightest pay period in your own schedule.
✓ Payoff plan: compares debt avalanche and debt snowball for one extra payment per paycheck.
✓ Funds: splits yearly costs like insurance or car registration across the paychecks left before each one is due.

📂 WHAT'S INSIDE: 37 TABS AND 76 CHARTS

✓ Start with these: Home, Start here, Setup, Pay schedule, Income, Bills, Spending, Subscriptions
✓ This paycheck: This paycheck, Paycheck plan, Between paydays, Where it goes
✓ The rhythm: Bills by paycheck, Third paycheck, Pay gaps, Paycheck year, Uneven pay
✓ Bills and debt: Bill calendar, Debt, Payoff plan, What debt costs, Accounts
✓ Saving: Buffer, Funds, Goals, Big buys
✓ The year behind: Months, Year, Categories, Leaks
✓ Keeping it going: Squeeze, Payday routine, Check-in, Notes, Catch-up, Read me, Free gift

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, fill in the shaded cells: how often you are paid, your next payday and your take-home pay.
3. Add your bills with the day of the month each one is due, then add your purchases on Spending as you go.
4. Everything else fills in by itself. Home shows what is left on this paycheck, per day, and which paychecks run short.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel on Windows or Mac
✓ A filled example to look around, and a blank copy for your own data
✓ A PDF with the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.
This planner is a tool for your own records, not financial advice.