Free Paycheck Budget Calculator: Which Check Pays Which Bill
If you're paid every week, every two weeks or twice a month, a monthly budget can hide the real problem: one check gets hit with rent and two other bills while the next check has almost nothing due. This calculator lines your bills up with your paydays so you can see what each check has to cover and what's left.
It runs in your browser. Nothing you type is saved or sent anywhere. The numbers filled in below are a made-up example; change them to yours.
| Bill | Amount ($) | Due day of month |
|---|
How it works
- It finds every payday in the month you pick from your schedule.
- Each bill goes to the latest payday on or before its due date, so the money is there in time. A bill due before the month's first payday is paid from the last check of the month before.
- Left from this check = take-home pay − the bills that check covers. What's left still has to cover food, gas, savings and other spending.
- Bills due on the 29th–31st move to the last day in shorter months. Weekends, holidays and bank processing days aren't counted, so leave a few days of room.
Example (made up): paid $1,200 every two weeks with paydays on Nov 6 and Nov 20. Rent ($1,100, due the 1st) comes from the Oct 23 check. The Nov 6 check covers the phone and car insurance ($205), leaving $995. The Nov 20 check covers internet, electric and streaming ($171), leaving $1,029.
This is general information, not financial advice.
Want to plan every paycheck this way?
The Paycheck Budget Spreadsheet ($7) does this all year: enter your pay schedule and bills, and it shows what each check covers and what's left, with tabs for spending, debt and savings. Works in Excel and Google Sheets.
Get the spreadsheet on Gumroad – $7
This template is also in the Complete Household Money Bundle (what's inside): all 13 home money spreadsheets for $29 (about $69 if bought one by one).
We make this template, so take that into account. The calculator above is free to use either way.
Related free guides
- How to Budget by Paycheck (Biweekly Budget Guide)
- How to Budget When You Get Paid Twice a Month
- How to Budget When You Get Paid Weekly (Example Numbers)
- What to Do With a Three-Paycheck Month (Example Numbers)
More free tools: all calculators.
See all Cedar & Ledger templates