Excel + Google Sheets template

Paycheck Budget Spreadsheet

Budget to your payday, not to the calendar.

For anyone paid weekly or fortnightly whose bills land on fixed month dates, so a calendar month budget never matches when the money actually arrives.

Paycheck Budget Spreadsheet is a 8-tab Excel and Google Sheets workbook for anyone paid weekly or fortnightly whose bills land on fixed month dates, so a calendar month budget never matches when the money actually arrives. 4 you type into, 2 that fill themselves in and 2 you set once. $8.38 once, no subscription.

  • Transactions Date, description, category and amount. Room for 800 across the year.
  • Budget Plan What you intend to spend per category, per pay period.
  • Bills & Subscriptions Everything that goes out on a schedule, with the day it lands and how often.

Filed under personal finance and cash flow & budgeting.

Get it on Etsy → See what's inside $8.38 on Etsy · one-timeCurrently 40% off
Tested before release Never password locked One payment Free updates
[ demo loop placeholder: 20–30s screen recording: entering data, dashboard recalculating ]

Type into the highlighted cells, watch every number update itself.

Sound familiar?

Before
Paid every two weeks, billed on the 1st and the 15th, and the two never line up.
The account looks fine on payday and is empty four days before the next one.
A monthly budget that says you are on track while the balance says otherwise.
After
Every bill mapped to the pay period it actually falls in, not the month it belongs to.
What is due before the next payday, set against what is left right now.
Sinking funds for the once-a-year bills, set aside per pay period rather than per month.
1.0 · The workbook

What's inside, tab by tab

You only ever type in the highlighted input cells, everything else fills itself in.

You type here Calculates itself Set once, never again Reference
Tab 1Start HereSet once, never again

A one page setup guide inside the workbook. Enter your basics once, five minutes, done.

Tab 2TransactionsYou type here

Date, description, category and amount. Room for 800 across the year.

Tab 3Budget PlanYou type here

What you intend to spend per category, per pay period.

Tab 4Bills & SubscriptionsYou type here

Everything that goes out on a schedule, with the day it lands and how often.

Tab 5Sinking FundsYou type here

The costs that arrive once a year, with a target and the date you need it by.

Tab 6This PeriodCalculates itself

Income, bills due before your next payday, and what is still outstanding.

Tab 7YearCalculates itself

Every period side by side, with running totals.

Tab 8Settings & ListsSet once, never again

Categories, pay frequency and dates. Change them once and the whole workbook follows.

Built like software, priced like a spreadsheet

Auto-calculating formulas

Enter your data; totals, flags and the dashboard update instantly.

Zero formula errors

Checked cell by cell before release. Find one and you get a fix plus a refund.

Locked formulas, highlighted inputs

Formula cells are protected. You can only type where typing is safe.

Excel AND Google Sheets

Both versions in every purchase. No converting, no broken references.

Printable summaries

Clean report pages for your records, your accountant, or your next meeting.

Instant download

Delivered by Etsy the moment you pay. Free updates to this template forever.

2.0 · Getting started

How it works

2.1
Buy on Etsy

Secure checkout through Etsy, no account needed here.

2.2
Download instantly

The Excel file and the Google Sheets link arrive immediately.

2.3
Make a copy, start typing

Type into the highlighted cells, every formula updates itself.

3.0 · Before you buy

Questions, answered

Do I need a paid Excel version?

Any desktop Excel from 2016 onward works, including Microsoft 365. If you don’t have Excel at all, use the included Google Sheets version. It’s free.

Does it fully work in Google Sheets?

Yes. The Google Sheets version is built natively, not converted: every formula, highlight and protection works the same.

Is this a one-time purchase?

Yes. $8.38 once. You keep the files forever and get free updates to this template.

What’s the refund policy?

Digital downloads on Etsy are generally final, but if the template doesn’t work as described and we can’t fix it for you, you get your money back. Just email support@elecart.us.

What if I get stuck?

Email support@elecart.us and the person who built the template answers, usually within one business day. Etsy Messages works too.

How much data can it handle?

Input tabs are sized generously and tested with full sample data: enough for years of typical use. Need more room? Duplicate the file per year, or email support for an extended version.

Budget to your payday, not to the calendar.

$8.38, once, 40% off. Yours forever, with free updates.

Get it on Etsy →
Tested before release Never password locked One payment Free updates

Also in Personal Finance

Paycheck Budget Spreadsheet
$8.38 · one-time · 40% off
Get it on Etsy →