Family Budget by Paycheck

Give every paycheck a job before you spend it.

Most budgets show what you already spent. This one shows whether each paycheck can cover the bills you put on it, before the money is gone.

PAY ONCE. NO SUBSCRIPTION. NO ACCOUNT.

No bank login, no app to install, no monthly fee. You type in your own numbers.

HOW IT WORKS (about 5 minutes)

1. List your paychecks in the order you get them (up to 6).
2. Add your bills with an amount and a due date.
3. Pick which paycheck pays each bill.
4. Read the check: what is left on every paycheck.

WHAT THE CHECK CATCHES

• A paycheck that is short (it tells you by how much)
• A bill due before the paycheck that pays it arrives
• Bills you have not assigned to a paycheck yet
• Money left over that still needs a job

WHAT YOU GET (one ZIP download)

• A designed dashboard spreadsheet for Excel and Google Sheets (summary cards, colour-coded checks, drop-downs, a Start here tab and a Carry forward tab), plus a filled-in example copy
• Browser workspace (HTML) for a computer, with save/restore backup and a PDF or text summary
• Four printable pages in US Letter and A4
• Quick-start guide and licence

WORKS WITH

Excel. Google Sheets: upload the file to Google Drive and open it with Google Sheets (use the Sheets app on your phone). The browser workspace needs desktop Chrome or Edge.

HOW TO OPEN IT AFTER YOU BUY

1. After checkout, download the ZIP from the confirmation page or your receipt email, then unzip it.
2. Excel: open Family-Budget-by-Paycheck.xlsx.
3. Google Sheets: go to drive.google.com, choose New, then File upload, and pick the same .xlsx file. Right-click it in Drive, choose Open with, then Google Sheets. After that it opens in the Google Sheets app on your phone too.
4. Browser: extract all the files to a folder, right-click WORKSPACE.html, and open it with Chrome or Edge.
5. Paper: print PRINTABLE-LETTER.pdf or PRINTABLE-A4.pdf at 100% size.

Open the filled-in example first if you want to see how it works. A START-HERE.txt file in the download repeats these steps. It runs on your own computer or in your own Google Drive; nothing is sent to us.

GOOD TO KNOW

You enter every number yourself. There is no bank sync, automatic reminders or cross-device sync. This is a planning tool, not financial, tax or legal advice. Licensed for one household. Digital download, no physical item. For help, use the store Contact page with your order reference (please do not send private budget data).