Paycheck Budget Planner App, Biweekly Budget by Paycheck, Bill Tracker, Sinking Funds, Envelope Budget, Offline Budget App, No Spreadsheet

**Works on all platforms except iPhone**

Know exactly which bills each paycheck pays, and what's safe to spend until the next one.

The Paycheck Budget Planner is a simple budgeting app that opens in your web browser. Tell it how often you're paid and add your bills, and it lines up every bill under the paycheck that pays it, months ahead. No formulas, no locked cells, no Google Sheets or Excel, no bank login and no monthly fee.

━━ WHY IT'S DIFFERENT ━━
Built from what people say goes wrong with budget spreadsheets:
• "Too complicated" → Simple mode by default. Full mode (debt payoff and insights) is one tap away.
• "The formulas broke" → There are no formulas to break and nothing is locked. Type a number and everything updates.
• "Which paycheck pays which bill?" → Every bill sits under the paycheck that arrives before it's due.
• "I don't know what I can actually spend" → Safe to spend until payday, and about how much a day.
• "Big yearly costs wreck my budget" → Sinking funds tell you what to set aside each paycheck.

━━ WHAT IT DOES FOR YOU ━━
• Weekly, every 2 weeks (biweekly), twice a month or monthly pay. Your paydays fill in automatically
• Bills by payday: six paychecks side by side with the bills each one pays and what's left after bills
• Plan each paycheck: give every dollar a job across bills, envelopes, sinking funds, savings goals and extra on debt, until it says $0 left to assign
• Copy last paycheck in one tap, and envelope leftovers roll over
• Safe to spend until payday, with a warning if a paycheck is over-planned
• Log spending in three taps: amount, envelope, save. Extra income too
• Sinking funds and savings goals with the amount to set aside each paycheck
• Bonus paycheck months: see the months with a third paycheck and plan the extra one
• Full mode: debt payoff list (snowball or avalanche) with a debt-free date, plus a 50/30/20 check and spending by envelope
• 3 looks (Bloom Signature, Paystub, Soft Envelope), light and dark mode, 19 currencies
• Sample data, so you can explore before entering your own numbers

━━ PRIVATE BY DESIGN ━━
Your numbers are saved only in the browser on your own device. Nothing is uploaded, there's no account to create and no bank to link. One-tap backups, gentle backup reminders and a built-in Backup & Recovery page keep your plan safe.

━━ YOUR DOWNLOAD ━━
• 1 ZIP file: the Paycheck Budget Planner + a 6-page Start Guide
• The Start Guide as a separate PDF, so you can read it straight away
The guide covers setup in about 15 minutes, opening it on your phone, a payday routine and how the money works.

━━ HOW TO START ━━
1. After purchase, go to You > Purchases and reviews > Download files (use a web browser; the Etsy app can't download files)
2. Unzip the folder
3. Open Paycheck-Budget-Planner.html in Chrome, Edge, Safari or Firefox
4. Tell it how often you're paid and your take-home pay, and you're in
Works on computers, Android phones and tablets. need a free HTML viewer app; the guide shows you how.

━━ GOOD TO KNOW ━━
• Digital item: nothing will be posted to you.
• This is a browser-based tool. It is not an app-store app, spreadsheet, Notion or Canva template.
• It doesn't connect to your bank. You type in amounts, which keeps your details private.
• Your data lives in the browser you use. Clearing browser data, private/incognito windows, or switching browsers or devices can remove it, so download a backup regularly (the planner reminds you).
• Devices don't sync automatically. Move your plan between them with a backup file.
• Keeping your data safe is your responsibility. Everything stays on your own device, so Bloom Art Design can't see, recover or restore it, and isn't responsible for data that's lost when no backup was kept.
• This planner is an organising tool you use to plan and track your own money. It is not financial, tax, legal or investment advice. All figures are estimates based on the numbers you enter. You make your own decisions, and Bloom Art Design accepts no responsibility for financial losses, missed or late payments, fees or decisions made using the planner.
• Instant downloads can't be returned, but if anything isn't working, message me and I'll help you get set up.
• Designed by Bloom Art Design. AI tools were used to help build the planner and write this description.

Questions? Send me a message. I'm happy to help.

Manufacturer(s):

Bloom Art Design

Product safety:

Digital download only. No physical item is shipped. Use as an organizing tool; not financial advice.