Budget by Paycheck
Make payday feel like a deep breath, not a chore. Budget by Paycheck handles biweekly and monthly pay periods, zero-based budgeting, debt payoff and savings goals — you fill in a few cells, and the dashboards do the rest.
What's inside — 7 linked tabs
- Setup — currency, income, bills, debts, categories & goals (fill in once)
- Spending Log — 500+ rows with cascading dropdowns
- Budget — your monthly command centre: income, saved, spent, what's left
- Calendar — auto-fills bill due dates & debt minimums
- Savings — visual cards for up to 30 goals
- Debt Snowball — snowball or avalanche, with your debt-free date
- User Guide — built-in quick-start, no extra PDFs
Why you'll love it
- Auto-calculating — type your numbers, totals update instantly
- 13 currencies — pick once, applies everywhere
- Up to 30 income sources, 30 categories, 30 goals, 15 debts
- Calm, beginner-friendly design — no formulas to learn
Choose your style: Pastel, Ocean, Boho, Dark.
Works in Google Sheets & Excel · Instant download · Pay once — no subscription, lifetime access.
Everything you need, already built
Open it, copy it, start planning. The hard parts are done for you.
Auto-calculating
SUMIFS do the math — totals update the moment you type.
Built for paydays
Biweekly or monthly pay periods, zero-based budgeting.
Monthly command centre
Income, spent, saved and what's left — by category.
Goals & debt snowball
Track savings goals plus snowball or avalanche payoff.
Auto bill calendar
Due dates and debt minimums fill themselves in.
Built-in guide
A quick-start lives inside the file — no extra PDFs.
Complete your money setup
Planners that pair perfectly with this one — add them and save.
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See exactly how it works before you buy
Watch the full walkthrough — copy your template, set up your income and bills, then log a paycheck and watch your budget, calendar and savings update.
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