Google Sheets and Excel · version 1.0
Biweekly Paycheck Budget
Give every paycheck a job before payday.
Paid every two weeks? Type your first payday, your take-home pay and your monthly bills. The sheet matches each bill to a payday, shows what is left each time, and finds the months with a third paycheck.
Pay on Etsy. Download right after you pay.
- Works on your phone with the free Google Sheets app
- Also Microsoft Excel 2010 or newer
- Something not working? Tell us and we fix it
How it works
- 1
MY PAYCHECKS
Type the date of your first payday, the pay that lands in your bank, and what you put aside each payday.
2 minutes
- 2
BILLS
List your monthly bills, with the amount and the day each one is due.
3 minutes
- 3
PAYCHECK PLAN
Nothing to type. Read one line for each payday, for the next 12 months.
0 minutes
Then open YEAR VIEW. The months that bring a third paycheck are green.
See it
What's inside: 5 tabs
- START HERE
- The 3 steps, and one line that tells you if everything is filled in right.
- MY PAYCHECKS
- Your first payday and take-home pay, room for a second earner, and up to 8 amounts you put aside each payday, plus savings.
- BILLS
- Up to 20 monthly bills. For each one, the sheet shows the first due date and the payday that covers it.
- PAYCHECK PLAN
- 12 months of paydays. Each line: pay, bills, the names of those bills, money put aside, savings, what is left and a note. Your next payday and the totals sit at the top.
- YEAR VIEW
- Month by month: paydays, money in, bills and what is left. The months with 3 paydays are green.
Made to be easy
- Yellow boxes are for you. The rest is math. Example numbers show how it works.
- Each bill goes to the last payday on or before its due day. You don't match them by hand.
- Every payday line names its bills, so you know what that money is for.
- If a payday can't cover its bills, the line says how much is missing, like "Short by $60".
- One paycheck bigger or smaller? Type the real amount on that line.
- Plan as a couple: add a second earner.
- Typos get an orange "Check" note, like a due day of 35.
What it counts
- 12 months of paydays, worked out
- Up to 20 bills, each matched to a payday
- Up to 8 amounts to put aside each payday, plus savings
- The money left after every payday
- Short paydays, with the amount missing
- The months with 3 paydays, in green
What you get
- Biweekly_Paycheck_Budget.xlsxThe light version, filled with example numbers
- Biweekly_Paycheck_Budget_Dark.xlsxThe same sheet with a dark look. Pick the one you like
- Quick Start Guide (PDF)Short plain-English steps, and buttons that make your own copy in Google Sheets
Works on
- Google Sheets (free), on your phone or computer. The guide has buttons to make your own copy.
- Microsoft Excel 2010 or newer.
- No macros. No add-ons. No account with us.
What it does not do
- No bank link. You type your own numbers.
- Not financial advice. It does the math on your plan.
Ready to plan your next payday?
$2.98. Pay once and download right away. Open the guide, make your copy, type your payday and your bills. About 5 minutes.
Questions people ask
How do I get the files?
This is a digital download. Nothing is shipped. After you pay on Etsy, download the files from your Etsy account (Purchases). Open the PDF guide first.
Does it work on my phone?
Yes. Use the free Google Sheets app. The guide has buttons to make your own copy, light or dark. It also works in Microsoft Excel 2010 or newer.
Which payday covers each bill?
The latest payday that falls on or before the due date. A bill due on the 12th comes out of the paycheck you got just before the 12th.
What is a 3-paycheck month?
With pay every two weeks, you get 26 paydays a year. Most months get 2. About twice a year, a month gets 3. YEAR VIEW marks those months in green, so you can decide early what the extra paycheck is for.
What if one payday comes up short?
That line shows "Short by" and the amount. You can move one bill's due date to your other payday, or put aside less that time. Change it, and every line updates.
I'm paid weekly or twice a month. Will it work?
No. It is built for paydays every 2 weeks. If you plan by the month, see the Monthly Budget Planner.
Something is not working. What do I do?
Send us a message on Etsy. We answer and fix it. If we can't, we review your case for a refund.
Good to know
- The numbers inside are examples. Type yours over them.
- Bills are monthly. For a bill you pay every few months, use its monthly share.
- This is a planning tool. It is not tax, legal or financial advice.
- Single-user license: for you and your home. Please do not resell or share the files.
- We design every spreadsheet. We use AI tools to help write and test some formulas and text. Every formula is tested before sale.