Paycheck Budget Spreadsheet, Biweekly Bill Planner with Left to Spend Dashboard, Excel Google Sheets

Will you make it to the next paycheck? Know it in 5 minutes. No formulas to touch.

Type how you are paid and your bills in the yellow cells. Read what is left to spend on the dashboard.


WHAT IT DOES

- Calculates what is really yours to spend until the next paycheck: paycheck, minus the bills due before the next one, minus savings, minus what you already spent
- Puts every bill on the paycheck that pays it, all year long. Type it once with its next due date and how often it repeats
- Shows your whole year paycheck by paycheck, blue = ok, light = short, so you see the tight ones weeks ahead
- Tracks your cushion, the money that stays in your account between paychecks, and tells you when your goal is reached
- Answers "what if I spent 50 less per paycheck?" before you commit


WHAT YOU GET

- Dashboard: left to spend, paycheck, bills due, savings set aside, spent so far, planned left, cushion, tightest paycheck, your year paycheck by paycheck, 2 charts (each paycheck: bills + savings, spending and the paycheck line; where your spending goes), bills due this paycheck, spending vs plan, savings goals, what-if
- Dashboard Dark: the same page for dark screens
- Setup tab: currency, pay frequency (weekly, every 2 weeks, twice a month, monthly), first payday, usual paycheck, cushion goal, up to 40 spending categories with an allowance per paycheck, up to 20 savings goals
- Bills tab: name, amount, next due date, repeats (monthly, every 2, 3 or 6 months, yearly, one-time), category, autopay. Room for 100 bills
- Spending tab: date, what, category, amount. Each line lands on its paycheck by itself. Room for 3,000 entries
- Paychecks tab: your whole year, one line each, up to 104 paychecks. A paycheck that differs or an extra income? Type it on its line
- What-if simulator: one yellow cell, one new answer
- Quick Start guide (PDF, 5 pages) and a full video tutorial
- Sample data pre-loaded, so you understand it in 10 seconds


HOW IT WORKS

1. Setup tab: currency, how you are paid, your usual take-home pay.
2. Bills tab: replace the sample bills with yours.
3. Dashboard tab: read your answer.


WHO IT IS FOR

- Anyone paid weekly, every 2 weeks, twice a month or monthly
- People who budget from paycheck to paycheck and want one honest number, not a lecture
- Any currency, any country


GOOD TO KNOW

- Works in Microsoft Excel 2016 or newer (Windows and Mac) and in Google Sheets (free account)
- No macros, no add-ins, nothing to install
- Real formulas, nothing locked: the calculations sit in one hidden tab you can unhide
- Free updates: the file improves, you pay nothing


DELIVERY

- Instant download after purchase: the Excel file and the Quick Start PDF
- Page 1 of the PDF: the Google Sheets link (one click makes a copy in your Drive) and the video tutorial link


PLEASE NOTE

- Digital product, nothing is shipped
- Digital files cannot be returned once downloaded. If a file does not do what its page says, write to us and we'll make it right: a fix, a new version, or a refund when we cannot fix it
- A planning tool, not financial advice: it does the math on the numbers you enter
- Personal and small-business use only; please do not resell or share the file


Modulis · One file. One answer.