Paycheck Budget Planner

Budget the way you actually get paid: one paycheck at a time. Tell the Paycheck Budget Planner how often you're paid and when, list your monthly bills with their due days, and it lines up your next 26 paydays and puts every bill on the paycheck that lands on or before its due date. For each paycheck you see your income, the bills it has to cover, your planned spending for groceries, gas and savings, and what's left over. WHAT'S INCLUDED • Dashboard: your current paycheck picked automatically (or choose any of the 26), its bills with paid / due / overdue status, and a left over chart for all 26 paychecks • Two Paychecks tabs (1-13 and 14-26): one column per paycheck with income, extra income, assigned bills, planned spending, left over and a check-off column • Bills tab: up to 30 bills with amount, due day and autopay, plus each bill's next due date and the payday that covers it • Setup tab: weekly, biweekly, semi-monthly or monthly pay, your first payday, take-home pay and up to 8 planned spending categories • Start Here guide that explains how bills are assigned to paychecks • Two files: a blank planner and a filled-in example WORKS WITH • Microsoft Excel (2010 or later, Windows and Mac, and Excel online) • Google Sheets (free): upload the file to Google Drive and open it with Google Sheets HOW IT WORKS 1. Purchase and download instantly from your Etsy Purchases page. 2. Open the file in Excel, or upload it to Google Drive and open it in Google Sheets. 3. Fill in the Setup and Bills tabs, then check off bills as you pay them. PLEASE NOTE • This is a digital download. No physical item will be shipped. • Designed for monthly bills. Yearly or quarterly costs can be planned as a per-paycheck amount. • Amounts are in US dollars ($). Currency formatting can be changed in your spreadsheet app. • For personal use. Please don't resell or share the file. • Not financial advice. How we make it: Every Penny & Pencil template and worksheet is designed in-house with AI-assisted tools, then each page, formula and answer key is checked and tested before it is listed. Questions? Send us a message. We usually reply within a day.