Paycheck Budget Spreadsheet, Bills by Paycheck Planner for Google Sheets & Excel, Biweekly Budget Template, Weekly Paycheck Tracker

Know exactly which bills each paycheck pays, and what's left to spend. This Paycheck Budget lays out every payday of the year, matches each monthly bill to the paycheck that comes before it's due, and shows what's left after bills and savings. Paid every 2 weeks or every week? Pick it from a list. A heads-up appears if a check is going to come up short, months ahead. It works in Google Sheets and Microsoft Excel, and it's an instant digital download.

A note on how it's made: this budget was designed with the help of AI tools, then built, formatted and tested by hand. The math was checked against an independent calculation in 32 real-life scenarios. These included weekly and every-2-weeks pay, 30 bills, bills due on the 29th to 31st, a leap year, short checks, different actual pay, extra income, text typed where a number goes, minus amounts and a cleared copy.

✿ MADE FOR REAL LIFE, NOT SPREADSHEET EXPERTS
• Just 4 tabs, and you only type in the blush-colored cells
• Plain English: "Left to spend", "Bills from this check", "What to do next"
• Short tips next to every box, and a friendly check on every bill and paycheck if something needs a look
• New to budgeting by paycheck? The first tab explains it in a few short lines
• A Common Questions box right on the first tab
• Formulas are locked in Excel so nothing breaks by accident (in Google Sheets, just type in the blush cells)

✿ WHAT'S INSIDE: 4 SIMPLE TABS

1. START HERE: 3 easy steps, a short "How Budgeting by Paycheck Works" box and a Common Questions box. Pick how often you're paid, your first payday and your usual take-home pay.

2. DASHBOARD: The paycheck you're on, what's left to spend, the bills it pays (with due dates) and what you've saved this year. A "what to do next" line, Your Year at a Glance, and a month-by-month chart of bills vs. left to spend.

3. MY PAYCHECKS: Every payday of the year, laid out for you (26 or 52). Each line shows the bills that check covers and what's left. Type a different actual pay, extra income or a savings amount on any check.

4. MY BILLS: Room for 30 monthly bills. Name, amount and the day it's due. That's all it needs.

✿ SMART LITTLE TOUCHES
• Each bill comes out of the last paycheck on or before its due date, so the money is there in time.
• Three-paycheck months stand out on the chart. Great for planning extra savings.
• Short check? It tells you by how much, so you can save a little less or move a due date.
• Bills due on the 29th to 31st land on the last day of shorter months.
• Weekly or every 2 weeks: pick it from a list and your year lays itself out.
• US or UK dates: type dates your usual way, and the sheet follows your computer's settings.

✿ WHAT YOU RECEIVE
• Neatly_Planned_Paycheck_Budget_BLANK.xlsx: ready for your details
• Neatly_Planned_Paycheck_Budget_SAMPLE.xlsx: a filled-in example to explore
• How_To_Use_Paycheck_Budget.pdf: a 2-page setup guide

✿ WORKS WITH
• Google Sheets (free) and Microsoft Excel for Windows and Mac (Excel 2016 or newer, or Microsoft 365)
• Check what's left on your phone in the free Google Sheets or Excel app (setting up is easiest on a computer or tablet)
• No macros, add-ins or subscriptions

✿ HOW TO USE IT
Google Sheets: open Google Drive, click New › File upload and choose the BLANK file. Open it, then click File › Save as Google Sheets.
Excel: double-click the file. If you see "Enable Editing," click it.
Then follow the 3 steps on the Start Here tab.

✿ GOOD TO KNOW
• This is an INSTANT DIGITAL DOWNLOAD. No physical item will be shipped.
• Your files are available right after purchase from your Etsy Purchases page (You › Purchases and reviews).
• The names and amounts in the SAMPLE file are made up for illustration.
• This is a planning tool, not financial advice.
• Made for monthly bills, each with one due day a month.
• For personal use only. Please don't share, resell or redistribute the file.

✿ RETURNS & REFUNDS
Because this is a digital file you get instantly, we can't accept returns, exchanges or cancellations. If anything isn't working, please message us through Etsy and we'll make it right.

Designed with the help of AI tools, and built and tested by hand by Neatly Planned Sheets.

✿ Pairs well with: our Zero-Based Budget Planner, Bill Tracker Mini and Savings Tracker