The Paycheck Plan – Budget Spreadsheet for Excel & Google Sheets

Stop wondering where your money went. Start deciding where it goes.

Know exactly which paycheck pays which bill

• Plan before you spend, not just track what you spent.
• Split each paycheck across your bills, spending, savings and debt.
• Up to 4 paychecks a month, so 3-paycheck months are easy.
• Left to Assign counts down to $0 and shows ✓ when every dollar has a job.

Everything in one workbook

• 12 monthly budgets: income, spending and what's left, every month.
• Automatic dashboard: charts and year-to-date totals that update as you go.
• Debt snowball: up to 10 debts with an estimated debt-free date.
• Savings goals: up to 8 goals with progress bars and a monthly target.
• Spending log: enter a purchase once and the workbook does the math.

Simple to use

• Visual progress bars and over-budget alerts.
• Dropdown categories, so nothing gets miscounted.
• Built-in start page with step-by-step instructions.
• No macros, no subscription, no software to install.

What you get

• The Paycheck Plan (17-tab workbook).
• A completed example with realistic sample data.
• Quick Start PDF guide, including Google Sheets setup.
• All three files arrive together in one .zip download.
• Digital product only; nothing is shipped.

Compatibility

• Built for Microsoft Excel and Google Sheets (free Google account).
• Works for any calendar year.

Good to know

• Debt payoff figures are estimates that assume fixed interest rates and no new charges.
• For personal budgeting and organization only; not financial advice.
• Personal use only. Please don't resell or redistribute.