Budget by Paycheck Complete Set | Paycheck Budget, Bill Calendar, Sinking Funds, Debt Snowball, Irregular Income | Excel Google Sheets

BUDGET BY PAYCHECK COMPLETE SET — the five spreadsheets this shop sells one at a time, in one download.

Most people who buy the Paycheck Budget come back for the bill calendar, or the sinking funds tracker, or the debt planner. This set is the whole method at once: plan each paycheck, see every bill coming, fund the goals, pay the debt down in order, and keep a steady paycheck when your income is not steady. Five separate workbooks, each complete on its own, each sold separately in this shop, and each built the same way: type in the marked input cells, and everything else calculates.

THE FIVE FILES

1. PAYCHECK BUDGET SPREADSHEET (12 tabs). The flagship. Pick your pay schedule (weekly, biweekly, semi-monthly or monthly), assign every bill to the paycheck that pays it, and the dashboard tells you what is left to spend after this check's bills. In the shipped sample the current check is $2,100, $1,423 of bills are assigned to it, and the dashboard reads +$343 left to spend. The Pay Period Planner lays out all 26 paychecks of a biweekly year, one row per check. A Couples Edition, pre-set for two incomes with alternating paydays, is in the same folder.

2. SMART BILL TRACKER AND BILL CALENDAR (12 tabs). Enter each bill once, with its frequency and anchor date, and the calendar lands it on its due day for the whole year. Autopay is flagged Y or N beside every bill. The Subscriptions tab pulls every subscription out of your bill list and totals it: the sample runs $1,584 a year and shows $336 coming back if you cancel the two you flagged. The Late-Fee Math tab puts a number on staying ahead: $520 a year in the sample. Includes a printable one-page bill calendar.

3. SAVINGS AND SINKING FUNDS TRACKER (6 tabs). Each goal gets a target, a target date, and a Needed-per-Month figure, with an On Track, Behind or Funded status that flips as you log contributions. The sample carries eight goals, $17,880 saved, seven on track.

4. DEBT SNOWBALL AND PAYOFF PLANNER (6 tabs). List every debt with its balance, APR and minimum. Choose snowball (smallest balance first) or avalanche (highest rate first) and the planner orders the payoff, builds the month-by-month plan, and reports the debt-free date and the interest saved against minimum-only payments. The sample: $31,730 of debt, debt-free in 39 months, $2,971 of interest saved.

5. IRREGULAR INCOME BUDGET (11 tabs). For freelance, tips, commission, gig and seasonal pay. You set a steady monthly salary to pay yourself; the Buffer tab shows the good months funding the lean ones; the Lowest-Month Baseline shows the bills you must cover in your worst month; the Tax Set-Aside parks a slice of every deposit. Sample: a $4,000 salary, a $2,400 baseline, a $12,600 buffer.

HOW THEY FIT TOGETHER
Each file is its own workbook. They are not linked to each other and they do not need to be: they share one method and one rule, which is that you type only in the marked input cells. Start with the Paycheck Budget. Add the Bill Tracker when you want the whole year of due dates on one grid. Open the others as you need them.

WHAT YOU GET
- Five workbooks, each in its own folder with its own README or Quick-Start guide
- The Paycheck Budget Couples Edition
- Color editions (Colorful, Light and Dark) where a product ships them, plus an Editorial edition of the Irregular Income Budget
- A printable one-page bill calendar (PDF)
- Four narrated video tutorials (Paycheck Budget, Bill Tracker, Savings Tracker, Irregular Income); the Debt Snowball ships a Quick-Start PDF
- Free updates

WORKS IN
Microsoft Excel (2016 or later, Mac or PC) and Google Sheets. Portable formulas only — no macros, no add-ons, no account, nothing to log into, nothing to cancel. To use Google Sheets, upload the .xlsx to Drive and open it with Sheets.

THE SAMPLES
Every workbook ships with a worked sample so every tab has something in it. Delete the sample rows and type your own.

HONESTY
Every figure in the listing images and the two short films was read from a real render of the shipped file, and every one of the 16 workbooks in the download was checked for the constructs that make Excel show a repair dialog before this listing went live: zero problems. If a file does not open cleanly for you, message us and we will make it right.

INSTANT DOWNLOAD — nothing is shipped. One .zip with five folders. Video tutorial links are inside the START-HERE file in your download.

WATCH THE FULL WALKTHROUGH before you buy - six minutes, every screen the real file:
https://youtu.be/ZqCMKPqBNbw