Weekly Paycheck Budget Spreadsheet

A weekly budget spreadsheet built for people paid every week. Most budget templates pretend your money arrives once a month — if you're paid weekly, you already know the rent doesn't care which Friday it is. Type in your paycheck, your bills, your debts, and your goal, and this system tells you every single week what's genuinely safe to spend: your paycheck minus this week's share of the monthly bills, sinking funds, savings, and extra debt payments, computed live.

What's inside: Weekly Budget — your safe-to-spend number, computed live: paycheck minus this week's share of the monthly bills, sinking funds, savings, and extra debt payments. Bill calendar matched to payday math — every monthly bill is converted to its per-paycheck set-aside (amount × 12 ÷ 52), so the 1st-of-the-month bills are covered before they arrive. Debt Payoff (avalanche) — each debt's true monthly interest cost in dollars, your debts ranked by APR, and a payoff order generated from your numbers: minimums on everything, every extra dollar at the most expensive debt. Sinking Funds — car repairs, holidays, registration: yearly costs split into small weekly set-asides, with % funded per fund. Savings Goal Tracker — what's left, how many weeks to go, % saved, and a projected finish date that updates as you go. A written quick-start guide (README) plus a Start Here tab inside the workbook — setup takes about 15 minutes.

Format: One Excel file (.xlsx) with real formulas in every computed cell — nothing hard-coded. Works in Microsoft Excel, and imports into Google Sheets in under a minute (upload to Drive, open with Sheets, make your copy — the guide walks you through it). No macros, no add-ins, no subscription, no account with us.

Who it's for: Households paid weekly (52 paychecks a year) — especially if you're juggling card balances and want the payoff order decided by math instead of vibes. If you're paid monthly or your income is irregular, this exact system isn't your shape.

The honest part: This is a template, not financial advice and not a promise. It won't pay off debt or build savings by itself — it shows you what your own numbers say, every week, in one number you can trust. Every example figure in the workbook is a round, fictional placeholder; you replace all of it with your own in setup. The checks we ran on this exact file — including recomputing its formulas by hand — ship inside the pack (QA-CHECKLIST.md), so you don't have to take the math on faith.

License: One purchase covers one household. Don't resell, share, or give away the file itself — what you build with it is yours.

Support: Message us through Payhip — first reply within one business day. If a formula is broken or the file doesn't match the guide, we fix or replace it free; that's a defect, full stop.