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Paycheck Budget

Know what you can spend until payday. The Paycheck Budget works out one number every day: what came in this pay period, minus the bills and savings due before your next paycheck, minus what you've already spent. Works in Google Sheets (free) and Excel 365.

Get it on Etsy

Google Sheets (free) and Excel 365 · Four themes · Instant download · Works on phone and tablet in the Google Sheets app

WATCH IT WORK

EVERY PAYDAY

  • Today: safe to spend until payday, about how much that is a day, and the sum behind it. Also the next bill, everything still to pay before payday (overdue bills first), and what you've spent this period by category
  • Paydays: your next six paychecks side by side, with which bills each one pays and what's left over. Below that is every payday of the year, with short paychecks shown in red and months with a third payday flagged
  • This paycheck: pick any pay period, past or future, and see its bills, its split and its biggest costs
  • Wait list: park an impulse buy for 2 days (or a week, or a month), then decide. Everything you skip adds up as money kept

A FULL BUDGET BEHIND IT

  • Recurring: paychecks, bills, subscriptions and savings transfers, entered once. Ten frequencies, from weekly to yearly, with start and end dates
  • Transactions: 10,000 rows, with dropdowns, a duplicate check and a search tab
  • Dashboard, 12 month tabs, calendar, year, insights and a 50/30/20 plan
  • Accounts and credit cards, up to 15 sinking funds, a debt payoff plan for up to 40 debts (snowball, avalanche or your own order), net worth and an investing forecast
  • Up to 6 people, for couples and families

YOU GET

  • A PDF with a Google Sheets "Make a copy" link for each theme
  • The Excel files (Excel 365, Windows and Mac)
  • A sample copy with a year of example paychecks and spending
  • A 2-minute setup video

GOOD TO KNOW

  • Digital download: nothing is shipped.
  • Paid weekly, every 2 weeks, twice a month, monthly or on your own dates. Works in any currency.
  • Works on phone and tablet in the free Google Sheets app.

How you get it

1Buy on Etsy

Checkout, receipts and reviews stay on Etsy. Your download is ready right after you pay.

2Make your copy

Open the PDF, click a theme's link, then Make a copy. It's yours in your own Google Drive. Prefer Excel? The Excel files are in the download too.

3Type, and watch it fill in

Enter your numbers once. Dashboards, charts and totals work themselves out.

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