Budget by Paycheck™
Give every dollar of each paycheck a job before it lands.
Built by a CPA who was paid bi-weekly too
Stop budgeting by the month. Start budgeting by the paycheck.
Your bills run on a monthly calendar. Your income doesn't. These workbooks line your money up with the days it actually arrives.
Instant download. Excel and Google Sheets. 30-day refund.
October income, two paychecks$4,280
Rent−$1,150
Daycare−$600
Car payment−$385
Six other bills−$1,015
Left for the month$1,130
Paycheck 1
Oct 2, $2,140- Rent1,150
- Car385
- Loan240
- Insurance160
- Phone95
Left$110
Paycheck 2
Oct 16, $2,140- Daycare600
- Credit card300
- Electric140
- Internet80
Left$1,020
Paycheck 1
Oct 2, $2,140- Bills due2,030
- Rent money set aside last check+455
Left$565
Paycheck 2
Oct 16, $2,140- Bills due1,120
- Set aside for next rent−455
Left$565
On paper the month works. Now look at it the way it actually happens.Same money. The first check leaves $110 to cover two weeks of groceries and gas.One move, made on payday, and both halves of the month feel the same.
- CPA-built10+ years in tax advisory
- Instant downloadDelivered by email at checkout
- Excel and Google SheetsBoth versions included
- 30-day refundKeep the files either way
It isn't a discipline problem. It's a timing problem.
Monthly budgets assume your money shows up on the 1st. If you're paid every two weeks, it shows up on shifting Fridays, and your biggest bills pile onto whichever check happens to land first.
- See exactly what each paycheck has to cover
- Spot a tight check months before it arrives
- Plan the two extra paychecks a bi-weekly year gives you
- Update it in about ten minutes each payday
Watch the method in one video.
A full walkthrough of planning by paycheck, from the channel.
How it works
Enter your pay schedule
Your next payday and how often you're paid. Every tab builds its calendar from that.
Add your real numbers
Bills, goals, debts. Type into the tinted cells, the rest calculates.
Follow the plan each payday
Open the sheet, see what this check covers and what to move, close it again.
Four workbooks. One pay schedule.
Buy the one that fits the problem in front of you, or take all four together.
Bills by Paycheck™
Map every bill to the paycheck that covers it and see tight checks months ahead.
Save by Paycheck™
Sinking funds and savings goals, funded a little from every check.
Debt by Paycheck™
A debt payoff plan funded by your pay cycle, with the exact month you're done.
The Paycheck System™: all four workbooks, one pay schedule.
Budget, bills, savings and debt, each planned against the same paydays. Most people start here because the four problems are really one problem.
Budget by Paycheck™$27
Bills by Paycheck™$27
Save by Paycheck™$27
Debt by Paycheck™$27
All four together$108$67
Instant download. Excel and Google Sheets. 30-day refund.
From people who run their money this way
“I spent years advising clients on tax and still got caught short between my own paychecks. The income was fine. The calendar was wrong. I built these sheets to fix that for myself, then cleaned them up for everyone else paid the way I was.”Founder, The Fiscal Blueprint™. Licensed CPA, 10+ years in tax advisory.
30day refund
Try it for two full pay cycles.
Set it up, run it through a month of paychecks, and if it doesn't make your money clearer, email us within 30 days for a full refund. You keep the files.
Questions people ask first
What do I get, and how fast?
An Excel file and a Google Sheets version, delivered by email the moment you check out. Open whichever you prefer.
Do I need to be good with spreadsheets?
No. You type in the tinted cells and everything else calculates itself. A Start Here tab walks you through setup.
Does it work if I'm not paid bi-weekly?
Yes. Weekly, twice a month and monthly schedules are all supported. Bi-weekly earners simply feel the problem most.
What if it isn't for me?
Email us within 30 days and we'll refund you. No forms and no questions about why.
Which workbook should I start with?
If you've never planned by paycheck, start with Budget by Paycheck™. If a specific problem brought you here, such as bills colliding or a debt you want gone, start with that workbook. The full system costs less than three of them bought separately.
Who is behind this?
A licensed CPA with more than ten years in tax advisory, who was paid bi-weekly and built the first version of these sheets to fix his own cash flow.
Not ready to buy? Take the free Paycheck Cheat Sheet.
One page that maps your bills to your next two paychecks. It takes about five minutes.