Shift Worker Budget Planner | Paycheck Budget, Shift Calendar, OT Calculator

Your paycheck is different every time. Your budget should be built for that.

Monthly budgets break the moment you work three nights, pick up an OT shift, and get paid on the 19th for hours from the 1st. So you stop looking, the card quietly fills in the gaps, and payday feels like a guess.

This planner budgets by paycheck instead. You pick a shift type for each day on a calendar, it works out the hours and gross for the pay period (with your differentials and OT rate), estimates your net, and shows which bills that check has to cover and what is honestly left to spend. It greets you by name on every tab, speaks plain English, and tells you where you stand: "You're $115 under budget this check, Jordan."

WHAT IT DOES- Welcome tab: your first name, pay frequency (weekly, biweekly or semi-monthly), first pay period, five-step setup, FAQ- My Why: goals with target dates and progress bars that fill as you save- Shift Calendar: 12 months of dropdown days (Day, Evening, Night, OT, PTO, Call-in, Off) with hours and gross by week and month- Paycheck Planner: every pay period for a year, expected gross from the calendar, estimated taxes, net, bills on that check, savings set aside, spending so far, left to spend, and a plain-language status line- Bills: amount, due day, which check pays it, autopay, paid this month- Spending Log: 500 rows with category dropdowns, each purchase assigned to a pay period automatically- Sinking Funds: car, holidays, vacation, emergency, scrubs and renewals, with monthly and per-check amounts- Debt Payoff: snowball order and an honest payoff-month estimate- Extra Shift Calculator: "picking up 2 OT shifts this period = +$821 net" and which bills that covers- No-Spend Challenge: 30-day grid with your rule and your reward- Weekly Check-in: five yes/no questions, once a week- Monthly Review: shifts, hours, gross, net, spending by category, three prompts- Settings: hourly rate, OT multiplier, differentials, tax estimate, categories

PRINTABLES (15 pages, plus a low-ink print-friendly version)Welcome and how to use, My Why, monthly shift calendar, pay period budget (two per page), bill checklist by paycheck, weekly spending tracker, sinking funds, debt snowball, extra-shift math, 30-day no-spend grid, meal prep for night shifts, sleep and shift log, weekly 5-minute check-in, pay stub checker, monthly review.

WORKS WITH- Microsoft Excel (desktop or free online)- Google Sheets (upload to Drive, then Open with Google Sheets). Every formula was built to work in both.

WHAT YOU GET1 Excel workbook (.xlsx, 13 tabs), 2 PDFs (color and print-friendly, US Letter). Sample data is tagged "delete me" so you can see how it works, then clear it.

PLEASE NOTE- Digital download. Nothing is shipped.- Take-home pay and payoff dates are estimates for planning. Your pay stub is the final word. This is a planning tool, not financial advice.- Due to the nature of digital files, all sales are final, but message me if you have any trouble and I'll help.- Made with AI assistance and checked by a human.