Paycheck Budget Spreadsheet
Budget to your payday, not to the calendar.
A paycheck budget template for anyone paid weekly or every two weeks whose bills land on fixed month dates, so a calendar month budget never matches when the money actually arrives.
Paycheck Budget Spreadsheet is an 8-tab Excel and Google Sheets workbook. 4 you type into, 2 calculated from those and 2 you set once. No macros, so it opens without a security warning.
- This Period Income, bills due before your next payday, and what is still outstanding.
- Year Every period side by side, with running totals.
- Transactions Date, description, category and amount. Room for 800 across the year.
Filed under personal finance and cash flow & budgeting.
3 of the 8 tabs, exactly as they look in the file. Click a tab to look inside.
Sound familiar?
What's inside, tab by tab
You only ever type in the highlighted input cells. Everything else is calculated from what you type.
| Tab | What you do | What it does |
|---|---|---|
| Tab 1Start Here | Set once, never again | A one page setup guide inside the workbook. Enter your basics once, in about 5 to 10 minutes. |
| Tab 2This Period | Calculated for you | Income, bills due before your next payday, and what is still outstanding. |
| Tab 3Year | Calculated for you | Every period side by side, with running totals. |
| Tab 4Transactions | You type here | Date, description, category and amount. Room for 800 across the year. |
| Tab 5Budget Plan | You type here | What you intend to spend per category, per pay period. |
| Tab 6Bills & Subscriptions | You type here | Everything that goes out on a schedule, with the day it lands and how often. |
| Tab 7Sinking Funds | You type here | The costs that arrive once a year, with a target and the date you need it by. |
| Tab 8Settings & Lists | Set once, never again | Categories, pay frequency and dates. Change them once and the whole workbook follows. |
Want one quick number first? Two free tools run in your browser, no sign-up: the debt payoff calculator shows your debt-free date and total interest, and the overtime calculator works out time and a half pay week by week.
Built like software, priced like a spreadsheet
Enter your data; totals, flags and the dashboard update instantly.
Checked cell by cell before release. Find one and we will fix it.
Formula cells are protected. You can only type where typing is safe.
Both versions in every purchase. No converting, no broken references.
Clean report pages for your records, your accountant, or your next meeting.
Delivered by Etsy the moment you pay. Free updates to this template forever.
How it works
Secure checkout through Etsy, no account needed here.
The Excel file and the Google Sheets link arrive immediately.
Type into the highlighted cells and every total is calculated from what you typed.
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 made from the same file as the Excel one and checked in Google Sheets before release. Every formula uses functions that work the same in both.
Is this a one-time purchase?
Yes. One payment, no subscription. You keep the files forever and get free updates to this template.
What does it not do?
It does not connect to your bank, import your statements or sort your spending for you. You type your entries in, on one tab. If bank sync is what you want, a budgeting app is the better fit.
What’s the refund policy?
Refunds follow Etsy’s rules for digital downloads. If a template doesn’t work as described, email support@elecart.us and we will fix it.
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.
$2.99, once, 70% off until Nov 28. Yours forever, with free updates.
Get it on Etsy →Also in Personal Finance
