The Paycheck Budget

Budget by paycheck, not by month, so the money is never gone before payday.

Most budgets fall apart because they think in months. Your rent, your paydays and your groceries don't. The Paycheck Budget lets you budget by paycheck: it's a paycheck to paycheck budget planner that gives every payday its own plan, so you always know exactly what this money has to cover before the next one lands.

Set it up once. Type your currency symbol into a single cell and every label on every tab updates: dollars, pounds, euros, whatever you use. Cream cells are yours to fill in; everything else does the math for you.

Each paycheck gets its own plan (bills, spending, savings and what's genuinely left), so nothing is "gone" before payday and you stop playing catch-up. Two paychecks come pre-filled with example numbers so you can see how it flows, then you type straight over them.

Works in Excel, Google Sheets, Numbers and LibreOffice. No subscription, no account, no formulas to write. Open the Start Here tab and you're budgeting in five minutes.