Paycheck Budget Spreadsheet: Excel & Google Sheets

A monthly budget assumes all your money arrives on the 1st. If you're paid weekly, every 2 weeks or twice a month, it doesn't: rent can be due two days before payday, and some months bring a third paycheck. This planner works one paycheck at a time.

Set your pay schedule once (up to two paychecks), list your bills with how often they're due, and the Paycheck Plan shows every payday of the year with the bills due before the next one, your everyday spending, sinking funds, savings goals and extra debt payment, and what's left: your Safe to Spend number. A paycheck that comes up short turns red months ahead, and the Dashboard marks the months with an extra payday.

Sinking funds split known costs (holidays, car repairs, annual bills) across the paychecks left before the date. Savings goals show about when each one is reached. Debt Payoff lists up to 10 debts and estimates the payoff month for each in the snowball and avalanche orders, side by side, with total interest for both. A subscription audit, a spending log and a monthly plan-vs-actual summary complete it.

It works in Excel and Google Sheets with no macros, set for 2027 and usable for any year. A filled-in example, a 30-page guide, 25 printable pages (including a dated 2027 bill calendar) and an AI prompt to sort a bank export are included. It organizes your own numbers; it is not financial advice.