Most budgets fail on the 17th.
Because you don't get paid monthly. Rent comes out of one check and everything else piles onto the other. This workbook plans each paycheck to zero, so the money is always there when the bill is.
Get it now — $14Secure checkout by Stripe. Download link appears immediately after payment and on your emailed receipt.
Not sure yet? Try the free calculator.
See which of your next six paychecks come up short — open the free paycheck budget calculator → No email, no signup, runs in your browser.
See which of your next six paychecks come up short — open the free paycheck budget calculator → No email, no signup, runs in your browser.
18.4%Savings rate
$0.00Left to budget
$14,320Total debt
Mar 2028Debt-free date
| Paycheck — Fri Aug 15 | Planned | Spent | Left |
|---|---|---|---|
| Take-home pay | 1,842.50 | ||
| Rent | 950.00 | 950.00 | 0.00 |
| Groceries | 240.00 | 188.34 | 51.66 |
| Electric | 95.00 | 95.00 | 0.00 |
| Car payment | 310.00 | 310.00 | 0.00 |
| Debt — extra payment | 150.00 | 150.00 | 0.00 |
| Emergency fund | 97.50 | 97.50 | 0.00 |
| Left to assign | 0.00 | 1,790.84 | 51.66 |
The actual Paycheck Plan tab. Yellow cells are the only ones you type in — “Left to assign” counts down to $0 as you give every dollar a job, and the dashboard numbers above update themselves.
One workbook. Nine tabs. Zero formulas to maintain.
Start HereDashboardPaycheck PlanMonthly BudgetTransactionsDebt PayoffSavings GoalsNet WorthCategories
- Paycheck Plan — give every dollar of each check a job before payday. "Left to assign" counts down to $0 as you plan.
- Debt Payoff Planner — enter your debts, pick snowball or avalanche, add an extra payment, and see your debt-free date and total interest instantly. Freed-up minimum payments roll forward automatically.
- Monthly Budget — plan vs. actual for all 12 months, filled in from your transaction log.
- Transactions — the only tab you touch daily. About two minutes.
- Dashboard — savings rate, left to budget, total debt, debt-free date, net worth, and an income-vs-spending chart. All automatic.
- Savings Goals — sinking funds with "save this much per month" math.
- Net Worth — monthly snapshots with a trend chart.
- Categories — rename anything; every dropdown updates everywhere.
Yellow cells = type here. Everything else calculates itself.
Realistic example data is pre-filled, so nothing looks blank and confusing on day one.
Why this one
Most budget templates sell you a monthly grid and call it a system. Paycheck budgeting, debt payoff, and net worth are usually three separate listings. This is all three, wired together, in one file.
| Works in | Excel (.xlsx) and Google Sheets — upload, then File → Save as Google Sheets |
| Setup | About 15 minutes, guided by the Start Here tab |
| Upkeep | ~2 minutes a day in the Transactions tab |
| Verified | Every debt-payoff calculation checked against an independent simulation, to the cent, before release |
| License | Personal use, yours forever. No subscription. |
Instant download · Excel + Google Sheets · no subscription