Paycheck Budget Spreadsheet (Biweekly Budget Template)
Budget by paycheck, not by month: see which bills each check has to cover and what's left after. One spreadsheet with tabs for paychecks, bills, spending, debt and savings, for Excel and Google Sheets, for weekly, biweekly or semimonthly pay.
$7 on its own, or get it with 12 more home money spreadsheets in the Complete Household Money Bundle for $29.
Works in Google Sheets and Excel · Instant download · Nothing shipped
What you get
Real screenshots of the actual tabs, taken from the same .xlsx file you download. All numbers are example data.
Who this is for
- You're paid weekly, every two weeks or twice a month and want to plan each check.
- You want to see which bills each paycheck has to cover and what's left.
- You're fine typing in your own transactions.
Who it's not for
- Not for you if you want bank sync.
- Not ideal if you only budget on your phone. It's easiest on a computer.
- Not needed if a simple monthly budget is enough. The free Starter Budget Sheet may do.
Need more than one?
This sheet is one of the 13 in the Complete Household Money Bundle. Get all 13 home money spreadsheets for $29 (about $69 if bought one by one).
Get the bundle on Payhip – $29 See what's in the bundle
Need the home and the business sets? The Everything Bundle (what's inside) has all 22 (21 spreadsheets + the website template) for $39, about $149 if bought one by one.
Instant download. Works in Google Sheets and Excel.
Instant digital download, sold through Gumroad. Good for: paycheck budget, budget spreadsheet, biweekly budget, google sheets, budget template, excel template, budget planner, bill tracker, personal finance, spreadsheet.
2 separate spreadsheets (.xlsx files) in one zip: Paycheck Budget Planner v2, Paycheck Budget Planner. Each works in Excel and Google Sheets (import the .xlsx) and opens on a Start Here tab with a short how-to.
How it works
- Download the zip after checkout and unzip it.
- Open each .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.
- Delete the example rows and type in your own numbers.
Previews and the files use example data only.
What's inside
- Enter your take-home pay, first pay date and pay schedule (weekly, biweekly or semimonthly). It lists every paycheck for the year.
- List your bills with due days, and each one is assigned to the paycheck that comes before it, so you can see what each check has to cover and what's left over.
- Plan savings and spending per paycheck. The row turns red if you've over-planned.
- Log transactions with category dropdowns. The dashboard shows budget vs. actual by month and category, with a chart.
- Debt tracker estimates months to payoff and interest at your current payment.
- Savings goals show progress and how much you'd need per month to hit your date.
Good to know
- It's a spreadsheet, not an app. No bank syncing, so you type in your own transactions.
- Bills due before your first paycheck of the year don't appear on any paycheck row.
- Mobile editing works, but it's easiest on a computer.
- It comes with a few example rows. Delete them before you start.
- Planning tool only, not financial advice.
Previews
Works in Google Sheets and Excel · Instant download · Nothing shipped
Try the free paycheck budget calculator (which check pays which bill) →
Try the free hourly to salary calculator →
Try the free rent affordability calculator →
Try the free raise calculator →
Try the free savings rate calculator →
Frequently asked questions
Which apps does it open in?
Excel 2016 or newer (including Microsoft 365 and Excel for the web) and Google Sheets: upload the .xlsx to Google Drive, then open it with Google Sheets. You get one .xlsx file (works in Excel 2016+ and Excel for the web, and imports into Google Sheets) and a short how-to.
What happens after checkout?
Gumroad emails you a receipt right after checkout; click View content in it to open your download page. You download a .zip with the .xlsx file(s) and a short how-to. It's an instant digital download; nothing physical ships.
Can I edit it?
Yes. Nothing is locked: rename categories, add rows, change colors and type over the example data.
Does it connect to my bank or send reminders?
No. It's a spreadsheet, not an app: you type in your own numbers and nothing is synced or sent.
Are the numbers in the previews real?
No. Previews and the file use example data only. Delete the example rows and add your own.
Can I get a refund?
It's a digital download, so if something doesn't open or work, reply to your Gumroad receipt and I'll help fix it. Refund requests are handled under Gumroad's refund policy. If you bought it on Payhip, message the shop there.
Is this financial advice?
No. It's an organizing and planning tool with example numbers, not financial, tax, legal or medical advice.
Works in Google Sheets and Excel · Instant download · Nothing shipped
Free guides that use this sheet
- W-4 Withholding Checkup for 2027
- How to Make a Budget in Google Sheets (With Formulas)
- How to Make a Budget in Excel (Step by Step)
- How to Set Up a Household Budget System in One Weekend
- What to Do With a Three-Paycheck Month (Example Numbers)
- Budget Categories List for Beginners (With Examples)
- How to Budget a Paycheck With Overtime or Tips
- How to Stick to a Budget When You Keep Overspending
Pairs well with
Debt Snowball & Avalanche Planner ($5)
Plan extra payments once your paycheck budget shows what's left over.
Not ready to buy? Start with the free Starter Budget Sheet.