Paycheck Budget Spreadsheet | Biweekly Budget Planner & Bill Calendar | Excel and Google Sheets

No app. No sign-up. No subscription. Yours to keep.

Tired of bills landing before payday? Enter your pay and your bills once, and this planner shows which paycheck pays which bill, what's left over every payday, and warns you before you come up short.

Includes a filled-in Example to show you how it works, and a clean Blank that's ready to use: nothing to clear first.

What's inside (14 tabs)
- Dashboard: your year at a glance, with number tiles and 3 charts
- Setup and Bills: enter your pay and your bills once
- Paycheck Plan: every payday for the year, the bills each one pays, your everyday spending and savings, what's left over, and a running balance. "Covered" and "Short" warnings show problems before they happen
- Bill Calendar: a month view with each day's bills and your paydays highlighted
- Debt Tracker and Debt Plan: avalanche or snowball, payoff order, debt-free dates and interest, worked out month by month
- Savings Goals: how much to save each payday and when you'll reach each goal
- Subscriptions: what each one really costs per year, keep or cancel, and renewal reminders
- Spending Log: each purchase matched to its pay period automatically
- Year Summary: totals for the year, plus budget vs actual by category with a chart
- Bills by Paycheck: which bills land in each pay period, worked out for you
- Start Here: a clickable index, with separate steps for Excel and Google Sheets

Works with: Weekly, biweekly, twice a month, every 4 weeks or monthly pay. Amounts in US dollars.

Simple or Full: use just Setup, Bills and the Paycheck Plan, or add the other tabs when you're ready.

Why you'll like it
- Every formula is tested before it goes in the shop
- Nothing is locked: change anything you like
- 2 looks (Soft and Classic), each as a Blank and a filled-in Example
- Works in Microsoft Excel and Google Sheets (free). Best on a computer; also opens on phone or tablet

Format: Excel files (.xlsx) that also open in Google Sheets, plus a quick-start PDF guide.
This is a digital download. No physical item will be sent.
Designed by SumItAllUp and built with the help of AI tools. Every formula is tested before it goes in the shop.
A budgeting tool for planning, not financial advice. Interest and goal dates are estimates.
Questions? Send us a message: we're happy to help.