Paycheck Budget Planner Spreadsheet | Give Every Paycheck a Plan (Excel + Google Sheets)

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Budget by paycheck, not by month: see which bills each check has to cover and what's left after. One spreadsheet with tabs for paychecks, bills, spending, debt and savings, for Excel and Google Sheets, for weekly, biweekly or semimonthly pay.

How it works: 1) Download the zip after checkout. 2) Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets. 3) Delete the example rows and type in your own numbers.

What it does:

- Enter your take-home pay, first pay date and pay schedule (weekly, biweekly or semimonthly). It lists every paycheck for the year.

- List your bills with due days, and each one is assigned to the paycheck that comes before it, so you can see what each check has to cover and what's left over.

- Plan savings and spending per paycheck. The row turns red if you've over-planned.

- Log transactions with category dropdowns. The dashboard shows budget vs. actual by month and category, with a chart.

- Debt tracker estimates months to payoff and interest at your current payment.

- Savings goals show progress and how much you'd need per month to hit your date.

What you get: one .xlsx file (works in Excel 2016+ and Excel for the web, and imports into Google Sheets) and a short how-to.

Instant digital download. Nothing physical ships.

Honest notes:

- It's a spreadsheet, not an app. No bank syncing, so you type in your own transactions.

- Bills due before your first paycheck of the year don't appear on any paycheck row.

- Mobile editing works, but it's easiest on a computer.

- It comes with a few example rows. Delete them before you start.

- Planning tool only, not financial advice.

Honest note: images show example data, not real results. This is a planning tool, not financial, tax, legal or medical advice.

Refunds: because it's a digital file, please contact the shop if something doesn't open or work and we'll help.

Works in Google Sheets and Excel · Instant download · Nothing shipped

Buyer questions

Which apps does it open in?

Excel 2016 or newer (including Microsoft 365 and Excel for the web) and Google Sheets: upload the .xlsx to Google Drive, then open it with Google Sheets. You get one .xlsx file (works in Excel 2016+ and Excel for the web, and imports into Google Sheets) and a short how-to.

What happens after checkout?

Payhip shows your download link right after checkout and emails it to you too. You download a .zip with the .xlsx file(s) and a short how-to. It's an instant digital download; nothing physical ships.

Can I edit it?

Yes. Nothing is locked: rename categories, add rows, change colors and type over the example data.

Does it connect to my bank or send reminders?

No. It's a spreadsheet, not an app: you type in your own numbers and nothing is synced or sent.

Are the numbers in the previews real?

No. Previews and the file use example data only. Delete the example rows and add your own.

Can I get a refund?

It's a digital download, so if something doesn't open or work, message the shop through Payhip (or reply to the Payhip email) and I'll help fix it. Refund requests are handled case by case under Payhip's terms.

Is this financial advice?

No. It's an organizing and planning tool with example numbers, not financial, tax, legal or medical advice.

Paycheck Budget Planner Spreadsheet | Give Every Paycheck a Plan (Excel + Google Sheets)

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