Budget by paycheck. See the tight ones coming.
Paid weekly or every two weeks? See exactly which bills each paycheck has to cover, what’s left, and which paychecks will come up short, months before they do. No macros.
✓ One-off payment ✓ Instant download ✓ Excel for Windows & Mac
| Payday | Paycheck | Bills due | Left over | Status |
|---|---|---|---|---|
| Fri, Sep 25 | $2,050 | $1,590 | -$10 | Short |
| Fri, Oct 9 | $2,050 | $635 | +$945 | OK |
| Fri, Oct 23 | $2,050 | $1,590 | -$10 | Short |
| Fri, Nov 6 | $2,050 | $455 | +$1,125 | OK |
| Fri, Nov 20 | $2,050 | $1,630 | -$50 | Short |
| Fri, Dec 4 | $2,050 | $550 | +$1,030 | OK |
Monthly budgets don’t work when you’re paid every two weeks
Feast or famine
One paycheck feels fine. The next one has rent on it and there’s nothing left.
Surprise shortfalls
You only find out a paycheck won’t stretch the day before rent is due.
Which bill, which paycheck?
Juggling due dates in your head, or on the back of an envelope, every two weeks.
Set it up once. Know every paycheck in advance.
Tell it how you’re paid
Weekly, every two weeks, twice a month or monthly, your first payday and your usual take-home.
Add your bills
Each bill with its amount and the day of the month it’s due.
Plan every paycheck
See the bills each paycheck covers, your spending and savings, and what’s left. Short ones are flagged.
Exactly what this paycheck has to cover
Pick any payday and see every bill due before the next one, in date order, with autopay marked. Then your spending, savings and what’s left over, with a heads-up if it’s short.
- Bills matched even across months
- Spending and savings per paycheck
- Short and Tight warnings
| Bill | Due | Amount | Autopay? |
|---|---|---|---|
| Student loan | Fri, Sep 25 | $210.00 | Yes |
| Credit card (minimum) | Mon, Sep 28 | $60.00 | No |
| Rent | Thu, Oct 1 | $1,150.00 | No |
| Gym | Sat, Oct 3 | $30.00 | Yes |
| Car insurance | Mon, Oct 5 | $140.00 | Yes |
Every payday, worked out for you
Every payday of the year from your first one, with the bills due, spending, savings and left over for each. Type the real amount when a paycheck is different, like overtime.
- Weekly, every 2 weeks, twice a month or monthly
- Extra paycheck months spotted for you
- Today’s paycheck highlighted
| # | Payday | Next payday | Bills due | Spending | Savings | Left over |
|---|---|---|---|---|---|---|
| 1 | Fri, Jan 2 | Fri, Jan 16 | $580 | $370 | $100 | +$1,000 |
| 2 | Fri, Jan 16 | Fri, Jan 30 | $495 | $370 | $100 | +$1,085 |
| 3 | Fri, Jan 30 | Fri, Feb 13 | $1,410 | $370 | $100 | +$170 |
| 4 | Fri, Feb 13 | Fri, Feb 27 | $755 | $370 | $100 | +$825 |
| 5 | Fri, Feb 27 | Fri, Mar 13 | $1,470 | $370 | $100 | +$110 |
Type the due day once
Add each bill with its amount, due day and whether it’s on autopay. The budget works out which paycheck pays it, every time, all year.
- Room for 40 bills
- Monthly bill total
- Autopay check
| Bill | Amount | Due day | Autopay? |
|---|---|---|---|
| Rent | $1,150.00 | 1 | No |
| Car insurance | $140.00 | 5 | Yes |
| Internet | $65.00 | 12 | Yes |
| Car payment | $320.00 | 15 | Yes |
| Phone | $70.00 | 20 | Yes |
| Student loan | $210.00 | 25 | Yes |
For anyone paid more than once a month
Paid every two weeks
The most common way to be paid, and the trickiest to budget by month.
Paycheck to paycheck
Know which paycheck is tight before it arrives, and plan around it.
Hourly and shift workers
Type the real amount each payday when your hours change.
Everything you get
- Every payday of the year, worked out from your first
- Weekly, every 2 weeks, twice a month or monthly
- Bills matched to the right paycheck, even across months
- Plan tab for any payday: bills, spending, savings and left over
- Short and Tight warnings, months ahead
- Extra paycheck months spotted for you
- Room for 40 bills and 12 spending and savings lines
- Dashboard with coming paychecks and a chart for the year
- One-off payment, no subscription
One-off payment. Yours to keep.
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Hi, I’m Lee
I run Sheet Leveller on YouTube, where I make quick, no-nonsense Excel tutorials.
This budget uses the DATE, SUMPRODUCT and INDEX formulas from my tutorials, so every paycheck plans itself.
Questions
What if I’m paid twice a month, like the 1st and 15th?
Choose Twice a month and set your first payday to the 1st. Paydays are the 1st and 15th of every month.
What if my paycheck changes?
Type the real amount for that payday on the Paychecks tab. Everything updates.
A paycheck is short. What do I do?
Move a bill’s due date (many companies let you), set a little aside from the paycheck before, or trim spending that period. The Plan tab shows the effect straight away.
Do I also need the Monthly Budget Planner?
No. This one plans ahead by paycheck. The Monthly Budget Planner tracks what you actually spent by category. Some people use both.
Does it use macros?
No. It’s a normal .xlsx file, so there are no security warnings and nothing to enable.
Which versions of Excel does it work with?
Microsoft 365, Excel 2010 or later on Windows, and Excel for Mac. It’s built for Microsoft Excel.
Is this a subscription?
No. You pay once and the file is yours to keep.
No more surprise short paychecks.
Every payday planned, every bill on the right paycheck.
Get the budget $9.99Want to see it first? Watch how it works on YouTube.