Ultimate Money Bundle
All six paid spreadsheets: Biweekly Paycheck Budget, Debt Payoff, Savings Goals, Side Income, Sinking Funds and the Bill Calendar. $52 if bought separately.
Budgeting · Debt payoff · Saving
Give every paycheck a job.
Simple Google Sheets templates and plain-English guides for people paid every two weeks. See your bills by paycheck, choose a debt payoff plan, and fund your goals, one payday at a time.
Get the free budget template Browse templates
Works in Google Sheets, Excel and LibreOffice. No subscriptions.
How it works
1
List bills once
Type your take-home pay, first payday and bills into the highlighted cells.
2
See each paycheck
Bills are matched to the paycheck before their due date, with Short and Tight warnings.
3
Give leftovers a job
Send extra money to debt, savings goals, or a buffer, and watch progress.
The Money Reset templates
Money Reset Bundle
All four spreadsheets: Biweekly Paycheck Budget, Debt Payoff Tracker, Savings Goals Tracker and Side Income Tracker. $36 if bought separately.
Biweekly Paycheck Budget
Plans all 26 paychecks, assigns each bill to the right paycheck by due date, and warns you when a paycheck is Short or Tight.
Bill Calendar & Due Date Tracker
See every bill on its due day: a month calendar, what's due in the next 7 and 14 days, paid ticks, overdue flags and bill totals per paycheck.
Debt Payoff Tracker
Snowball or avalanche, an estimated payoff month for each debt, total interest estimate, and a side-by-side comparison.
Savings Goals Tracker
Track several goals with progress bars, months left, and the amount needed per month and per biweekly paycheck.
Sinking Funds Tracker
Plan up to 20 yearly or irregular costs (car repairs, Christmas, insurance) and see how much to set aside each month and each biweekly paycheck, with due-soon flags.
Side Income Tracker
Log income by source and month, subtract fees, and see a suggested tax set-aside at a percentage you choose.
New · Free app
Paycheck Planner app
Add your pay and bills once. The planner matches each bill to the paycheck before it's due and shows what's left. Works offline, installs on your phone, and your data never leaves your device.
Free calculators
Free calculator
Debt payoff calculator (snowball vs avalanche)
Free debt payoff calculator for multiple debts. Compare the debt snowball and debt avalanche side by side: payoff date, total interest and the order each debt is paid off.
Free calculator
Biweekly paycheck budget calculator
Paid every two weeks? See how much of each paycheck goes to bills, spending and savings, what's left over, and what your two extra paychecks a year are worth.
Free calculator
Savings goal calculator
Find out how many paychecks it takes to reach a savings goal, or how much to save per paycheck to hit it by a deadline. Works for weekly, biweekly, semi-monthly or monthly pay.
Popular guides
Budgeting
Biweekly Budget Template for Google Sheets: How to Set One Up (Step by Step)
Learn how a biweekly budget template in Google Sheets works, what columns it needs, and how to assign monthly bills to the right paycheck. Free starter template included.
Budgeting
How to Budget Biweekly Paychecks When Your Bills Are Monthly
A practical method for budgeting biweekly paychecks against monthly bills: split bills by due date, plan every-paycheck costs, and stop running short before rent.
Budgeting
Three-Paycheck Months: What They Are and What to Do With the Extra Paycheck
If you're paid biweekly, two months a year usually have three paydays. Here's how to find them on the calendar and a simple plan for using that extra paycheck well.
Debt Payoff
Debt Snowball vs. Avalanche: A Worked Example With Real Numbers
Compare the debt snowball and debt avalanche methods with one worked example: four debts, $200 extra a month, payoff order, months to debt-free, and total interest.
Debt Payoff
How to Make a Debt Payoff Plan in a Spreadsheet (Google Sheets or Excel)
Build a debt payoff plan in Google Sheets or Excel: the columns you need, how to calculate monthly interest, roll payments forward, and estimate a debt-free date.
Saving
How Much to Save Per Paycheck for a Goal (With a Simple Formula)
Work out exactly how much to save per paycheck or per month for any goal, using one simple formula. Includes sinking funds, worked examples, and tracking tips.
AI + Money
Honest, privacy-first ways to use free AI chatbots for budgeting, saving and debt payoff, and why you should still check the math.
AI + Money
How to Use a Free AI Chatbot to Build a Budget (Step by Step, With Prompts)
Use a free AI chatbot to organize your bills, plan each paycheck, and spot savings, with copy-and-paste prompts, privacy rules, and why you should still check the math.
AI + Money
Free Ways to Use AI to Save Money (Honest Tips, No Hype)
Practical, free ways to use AI chatbots to save money: meal planning, subscription audits, comparing plans, negotiating scripts, and savings goals, plus what AI can't do.
AI + Money
AI Prompts for Paying Off Debt: Make a Snowball or Avalanche Plan
Copy-and-paste AI prompts to organize your debts, compare snowball and avalanche, find extra money, and draft calls to lenders, with privacy rules and math checks.
Free: Paycheck Budget Lite
A simple starter spreadsheet for Google Sheets or Excel. List your take-home pay and bills and see what each paycheck has left. Free, instant download.
Download the free templateMoving to South Florida?
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