Paycheck Budget Planner — Monthly Budget, Bill Planner, Debt Payoff & Savings Goals (Excel + Google Sheets)

Give every paycheck a job — and see exactly where your money goes.

This is a calm, no-nonsense budget spreadsheet that works the way real life does: you get paid, bills come due, some months are tight. Plan the year once, log what you spend, and pick any month on the dashboard to see planned vs actual in every category.

What you can do with it

• Pick any month and see income, spending, what's left and your savings rate — with green/red flags on categories that went over.
• Plan the whole year — 12 months × every category, with a "left to budget" check so every unit of income has a job.
• Budget by paycheck — enter two paydays and your recurring bills; see which paycheck covers which bill and what's left from each.
• Find your debt-free date — up to 6 debts, snowball or avalanche, extra payments, interest saved vs paying minimums only, with a balance chart.
• Hit savings goals — up to 8 goals with progress bars, months to go and projected finish dates.
• Annual overview — all months side by side with a chart and your savings rate.
• Any currency. Rename categories and groups to fit your life.

What's inside (9 tabs): Start Here · Dashboard · Budget Plan · Transactions · Paycheck Planner · Debt Payoff · Savings Goals · Annual Overview · Settings

You receive (ZIP):

1. Paycheck_Budget_Planner_BLANK.xlsx — categories ready, no numbers
2. Paycheck_Budget_Planner_SAMPLE.xlsx — a fictional household with 10 months of transactions so you can explore every tab
3. Start_Here_Guide.pdf — 3-page, 10-minute setup guide with Google Sheets import steps

How it works: open in Excel (2010+) or import into Google Sheets (File ▸ Import ▸ Replace spreadsheet). Yellow cells are for you to type in; everything else is a live formula — no macros, no add-ons, no bank connection, no subscription. Room for 2,000 transactions.

Good to know

• You enter your own numbers: your financial data stays in your file.
• The debt payoff tab is an estimate (fixed rates and payments). This is a planning tool, not financial advice, and not a credit-repair or debt-settlement service.
• Personal and household use is fine; please don't resell or redistribute the file.
• Instant digital download — nothing is shipped.