A budget built on paychecks, not months. Every bill lands on the check that pays it, short checks get flagged before payday, and your bonus months get a plan.
Change one thing and everything downstream updates. You only ever type in the white cells.
The quick tour and color key. Come back any time.
Pay schedule, first payday, take-home, cushion, savings. Five answers build the year.
Every bill once, with due day, frequency, pay-early days and autopay notes.
Every paycheck with its bills, what's left, a status, and a fix for any short check.
All your paydays, bonus months marked. Type real amounts as checks arrive if they vary.
Split your extra paychecks into buckets before they land. Writes the plan out in plain words.
For tips, shifts or commission. Plan on your floor, then route the extra down a priority list.
Date, what, category, amount. Each purchase lands on the right paycheck automatically.
Take-home, bills, set-asides and spending by month, with a chart.
Each bill drops onto the last paycheck that lands before it's due. Every check shows what's left and turns green, amber or red. A red check comes with the exact fix: which bill to move, and where.
Paid every two weeks means 26 checks, not 24. The calendar marks your bonus months the day you set it up, so that money gets a plan instead of disappearing.
Pick your split once. Debt, savings, something fun. Every bonus check gets divided before it lands, and the plan is written out in plain words.
Budget on your lowest typical check. Everything above it flows down a priority list you choose, so good weeks actually move you forward.
The Bundle adds Debt Payoff, Sinking Funds and six Savings Challenges, all feeding the Bill Shuffle.
| What's inside | The Paycheck Plan $12.99 | The Bundle $24 |
|---|---|---|
| Bill Shuffle with short-check fixes | ✓ | ✓ |
| 2027 Paycheck Calendar with bonus months | ✓ | ✓ |
| Third Paycheck Planner | ✓ | ✓ |
| Floor Mode for variable income | ✓ | ✓ |
| Spending Log and Year View | ✓ | ✓ |
| Sample version + PDF setup guide | ✓ | ✓ |
| Debt Payoff: snowball or avalanche, debt-free date | – | ✓ |
| Sinking Funds set aside per paycheck | – | ✓ |
| 6 Savings Challenges, including Envelope 100 | – | ✓ |
| Connected tabs | 9 | 12 |
| Get the Plan | Get the Bundle |
No. A free Google account works, and you can use it in the Google Sheets phone app. The Excel version is included too, for Excel 2019, 2021 or Microsoft 365.
Yes. Pick weekly, every two weeks, twice a month (1st and 15th, or 15th and last day) or monthly. Your calendar and paychecks rebuild to match.
It's treated as paid from 2026 money and left off, so January doesn't double count.
Use the due day it usually lands on. If it drifts, add a few pay-early days so it always lands on the earlier check.
Bills has room for 30, the Spending Log for 300. Category lists live on a hidden helper tab. Unprotect the sheet to customize (no password).
Yes. In Google Sheets, click Share and add them. In Excel, save it to OneDrive and share from there.
No. Pay once and keep it. When the 2028 edition is ready, you get it free.
Because it's a digital file, sales are final. If anything isn't working, email us and we'll fix it with you.
Then five minutes every payday. Do it the day before a check lands and watch the first one arrive already planned.