Workbooks / Save by Paycheck™
Turn big expenses into a small number per paycheck.
List what you're saving for and when you need it. The workbook tells you exactly how much to set aside from each paycheck, split across every goal.
Launch price. Instant download, Excel and Google Sheets, 30-day refund.
- 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
What's inside
My Goals
Give each goal a target amount and a date. Car repairs, holidays, insurance premiums, an emergency fund.
Paycheck Allocator
The exact dollars to move to each goal on payday. No mental math.
Two ways to split
By Priority fills your top goal first. By Target Date funds every goal so each one lands on time.
Projection and Progress
See when each goal is funded up to ten years out, then check in each month against the plan.
Who it's for
A good fit if
- Annual bills and holidays catch you off guard every year
- You save what's left over, and there's rarely anything left over
- You have several goals and no idea how to split money between them
Probably not if
- You want investment or retirement projections
- You already automate every sinking fund and it's working
From people who run their money this way
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.
Instant download. Excel and Google Sheets. 30-day 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
Do I need separate bank accounts for each goal?
No. One savings account is enough, the workbook keeps track of how much of the balance belongs to each goal.
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.
The rest of the system
Bills by Paycheck™
Map every bill to the paycheck that covers it and see tight checks months ahead.
Debt by Paycheck™
A debt payoff plan funded by your pay cycle, with the exact month you're done.