Which paycheck pays rent?
Rent is due on the 1st, but your pay lands on the 2nd and the 16th. The planner puts every bill on the paycheck that comes before its due date.
For anyone paid weekly, every two weeks, twice a month or monthly
Know exactly where every paycheck goes — before it lands.
Most budgets plan by the month. This spreadsheet plans by the paycheck: it puts every bill on the paycheck that has to cover it and shows what's left to spend, weeks ahead.
Get the spreadsheet — $19One-time payment · Instant download · Excel & Google Sheets · 14-day refund policy
- No bank login needed
- No subscription
- Any currency
Monthly budgets don't match how you get paid
See the heavy paychecks coming
Some paychecks carry more bills than others. You see which ones weeks before payday, so nothing catches you off guard.
Know your extra paycheck months
Paid every two weeks? That's 26 paychecks a year, so usually two months bring a third one. Your plan shows exactly which.
Set up in about 10 minutes
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Enter your pay schedule
Pick weekly, bi-weekly, semi-monthly or monthly, your next payday and your usual take-home pay.
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Add your bills
Type each bill's amount and due day once. The planner places it on the right paycheck, all year.
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Follow your plan
Every paycheck shows the bills it covers, what you save and what's left to spend. Log spending as you go.
Look inside
Screenshots from the included example file.
Every paycheck, planned
Your next 12 months of paychecks, each with its bills, savings and what's left to spend. In the example, paycheck #3 covers rent and leaves $104.77, so you know to plan for it.
Tap to zoom
Each bill on the right paycheck
See exactly which paycheck pays rent, the car payment and every other bill, before the money arrives.
Tap to zoom
Spending matched to each paycheck
Log a purchase and it's counted against the paycheck it came out of. Your "remaining" updates on its own.
Tap to zoom
Your debt-free date
List your debts, pick snowball or avalanche, and see the month each one is paid off, plus the total interest.
Tap to zoom
Savings goals, per paycheck
Emergency fund, holidays, car repairs: see what to set aside each payday to reach every goal on time.
Tap to zoom
Everything in one workbook
Paycheck planner
Weekly, bi-weekly, semi-monthly or monthly.
Bill planner
Every bill on the right paycheck.
Spending tracker
Matched to each paycheck automatically.
Debt payoff planner
Snowball or avalanche, with your debt-free date.
Savings goals
What to set aside each payday.
Net worth tracker
What you own and owe, month by month.
Dashboard
What's left this paycheck, at a glance.
Your numbers stay with you
No app to install, no account to create, no bank login. It's your own Excel or Google Sheets file, on your own computer or Google Drive.
Is it right for you?
Great fit if you…
- get paid on a schedule (weekly, every two weeks, twice a month or monthly)
- want to know which paycheck covers which bill
- like a simple spreadsheet more than another app
- want one plan for bills, spending, savings and debt
Maybe not if you…
- want your bank transactions imported automatically. You type them in or skip spending tracking.
- don't have a computer, a tablet or the Google Sheets app
What you get
- Excel file — a blank copy plus a filled-in example
- Google Sheets copies — a blank copy plus a filled-in example
- Quick Start Guide (PDF) — set up in about 10 minutes
One payment. Use it again every year: just change the first payday.
How it compares
A plan built around your paychecks, without another app or subscription.
| This spreadsheet | Budgeting apps | Monthly budget templatesMonthly templates | |
|---|---|---|---|
| Plans each paycheck on its own | Yes | Some do | No, one total per monthNo |
| Puts each bill on the paycheck that covers itPuts each bill on the right paycheck | Yes | Some do | No |
| Bank login | Not needed | Often asked forOften asked | Not needed |
| Cost | $19 once | Often a monthly subscriptionOften monthly | Varies |
| Where your numbers live | Your own fileYour file | The app's serversApp's servers | Your own fileYour file |
| Bills, spending, savings goals and debt payoff in one placeBills, spending, savings & debt in one place | Yes | Some do | Often separate sheetsOften separate |
Get your copy
Paycheck Budget System
$19 one-time
- Excel + Google Sheets versions
- Blank copy + filled-in example
- Quick Start Guide PDF
Budget System + Holiday Planner
$24 one-time
Add the Holiday Budget & Gift Planner for $5 more.
- Everything in the Paycheck Budget System
- Gift list with a budget for each person
- Holiday spending log
- "What's really left" dashboard
- What to set aside from each paycheck until the holiday
Instant access · Works in Excel 2010+ & Google Sheets · Secure checkout by Lemon Squeezy
14-day refund policy
If it's not right for you, email support@evenkeelsheets.com within 14 days of purchase and we'll refund you in full.
Questions
Do I need to connect my bank?
No. Nothing connects to your bank. You type in your pay, your bills and, if you like, your spending.
Do I need Excel?
No. It works in Excel 2010 or newer, Excel 365 and Excel for Mac, or free in Google Sheets.
How long does setup take?
About 10 minutes. The Quick Start Guide walks you through it, and the filled-in example shows how everything connects.
Can I use it on my phone?
Yes, in the Google Sheets app. It's great for logging spending on the go. The first setup is easiest on a computer.
What if my pay changes from paycheck to paycheck?
Type the real amount in "Actual pay" for that paycheck and the plan updates from there.
Can I share it with my partner?
Yes. Open your Google Sheets copy, click Share and invite them, and you both see the same plan.
Is this a subscription?
No. You pay once and keep the files.
How do I get it?
Right after checkout you get a download link on the confirmation page and by email.
What currency does it use?
Any. Amounts have no currency symbol, so it works wherever you live.
Can I get a refund?
Yes. Email support@evenkeelsheets.com within 14 days of purchase.
Is this financial advice?
No. It's a planning tool to help you organize your own numbers.
Give your next paycheck a plan.
$19 one-time for the Paycheck Budget System, or $24 with the Holiday Budget & Gift Planner.
Get the spreadsheet — $19