Paycheck Budget Spreadsheet, Biweekly Budget Planner, Weekly Monthly Budget Template, Bill Tracker, Google Sheets & Excel, 10 Languages

Budget the way you get paid. Tell the planner how often your paycheck comes and when the first one lands: every payday of the year appears on its own, each bill sits on the paycheck that has to cover it, and you see what is left to spend before the next one.

WORKS WITH ANY PAY SCHEDULE
Weekly · every 2 weeks · twice a month (1st & 15th) · monthly

WHAT YOU SEE ON THE DASHBOARD
• Days to your next payday
• The current paycheck (or any other one you pick): its dates, pay, bills due, spent and left
• Bills this paycheck: matched by their due day, the next 2 days in coral
• Envelopes this paycheck: plan, spent and left for 8 envelopes (rename them)
• Next paydays with the pay and the bills each one carries
• Left after each paycheck: a chart of the whole year, so the tight paychecks show up early
• Left over so far: what all past paychecks saved

WHAT'S INSIDE
Dashboard · Spending (one row per purchase) · Paychecks (every payday of the year) · Settings · How to use

10 LANGUAGES IN ONE FILE
English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी. Pick a language on the dashboard and every label switches. Arabic comes as a separate right-to-left file.

ANY CURRENCY
Pick yours in Settings: $, €, £, ₹, zł, R$, ₪, ¥ and 27 more. The symbol changes, the amounts stay as you type them.

FOUR LOOKS, ONE PURCHASE
Night (dark), Garden (light), Pastel (soft lavender) and Emerald (deep green): all four are in your download, with the same formulas in every look.

WHAT YOU GET
Instant download: a START HERE guide (PDF) and two ZIP archives (Excel + Arabic, and Apple Numbers) with a folder for every app:
1 Excel: Night, Garden, Pastel and Emerald for Microsoft Excel on Windows and Mac. Every file opens on your empty planner, with a filled Example tab right after it
2 Apple Numbers: the same 4 looks, each with the Example, for Numbers on Mac, iPhone and iPad
3 Arabic: right-to-left files (all 4 looks, each with the Example)
4 App: the same planner as an app for any computer (Chrome, Edge, Safari, Firefox), plus a link to install it on your phone (iPhone, iPad, Android). Works without internet, keeps entries on your device, backup file, transfer to another device with a short series of encrypted QR codes (very large planners use the backup file), and import and export with your Envelo Excel file. Protected by ZeroUpload: the app works on your device, and your entries are never uploaded.
Google Sheets: the START HERE guide has a button for every look. One click makes your own private copy.

WHICH FILE SHOULD I USE?
• Windows PC: the Excel files, or Google Sheets in your browser.
• Mac: Excel for Mac, Apple Numbers, or Google Sheets in Safari or Chrome.
• iPhone, iPad, Android: the Google Sheets app, or Apple Numbers on iPhone and iPad (add purchases through a simple Numbers form).
In Excel only the cells you type in can be changed. In Google Sheets the formulas are protected: Google warns you before anything changes. In Apple Numbers the Dashboard is locked as a whole.

PLEASE NOTE
• This is a digital download. Nothing will be shipped.
• Decorative illustrations and the laptop backgrounds in the photos were made with AI image tools. Every planner screen you see is the real file.
• For personal use. Please don't resell or share the files.
• Your planner starts empty. The Example tab in the same file (a two-week paycheck with bills, envelopes and spending) shows how it works.

Questions? Send us a message on Etsy.