Paycheck Budget Spreadsheet, Budget by Paycheck, Biweekly Bill Calendar, Running Balance, Excel, Google Sheets, Instant Download
What you get
- Excel file (.xlsx) that also opens in Google Sheets and Numbers
- Formulas and totals built in
- A short how-to PDF
- Instant download after checkout
Made for Biweekly earners, freelancers, gig and commission workers, and paycheck-to-paycheck households who want to allocate each payday (not a flat monthly salary) in Excel or Google Sheets.
Why this one: Mid-priced, auto-calculating template built around the payday, not the month: a bill-due calendar mapped to each paycheck, a running balance between paydays, sinking-fund allocations, and an irregular-income 'baseline/floor' mode that budgets essentials off your worst month and tiers extras when income is higher. Ships for both Excel and Google Sheets with sample rows, pairing cleanly with our budget-planner PDF winner for buyers who prefer a live sheet.
A five-sheet auto-calculating workbook built around your paydays, not a flat calendar month — perfect for biweekly earners, freelancers, gig workers, and anyone managing variable or irregular income.
YOU WILL RECEIVE • product.xlsx — 5-sheet workbook (Start Here, Bill Calendar, Running Balance, Sinking Funds, Baseline Mode), compatible with Microsoft Excel and Google Sheets • how-to-use.pdf — 1-page quick-start guide
HOW IT WORKS After purchase, your files appear immediately on your Etsy purchases page and in the confirmation email Etsy sends you. Nothing is shipped; this is a digital download only.
HOW TO USE Open product.xlsx in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets. Sample rows show you the format — replace them with your own numbers and keep the formula columns (Balance, Days Until Due, Status, Remaining, % Funded, Total) untouched.
• Start Here explains the four-sheet flow in plain language. • Bill Calendar: enter each bill, its due date, and which paycheck covers it. Days Until Due and Status fill in automatically; red flags overdue bills, amber flags bills due within a week. • Running Balance: list every paycheck (money in) and every expense (money out) in date order. The Balance column chains each row so you can see your cash position between paydays — negative amounts appear in red. • Sinking Funds: set a savings target and a per-paycheck contribution for each goal. Remaining and % funded calculate automatically; a goal turns green when fully funded. • Baseline Mode: for irregular income. Set a floor based on your worst month to cover must-pays first, then add extras when a paycheck comes in higher.
To start a new pay period, clear the money-out rows, update your paydays, and leave the formula columns alone.
DISCLAIMER Colours may appear differently across screens. This template is licensed for personal use only — resale or redistribution is not permitted. Digital files are non-refundable once downloaded, in line with Etsy's digital-goods policy.
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This design was created with AI assistance under the creative direction of the shop owner.
