Budgeting by the month falls apart when bills and paydays do not line up. This paycheck planner works on your real pay cycle, so you assign every paycheck to the bills and savings it needs to cover before the next one arrives.
What is inside
- A calendar view of paydays and due dates
- An assignment grid that maps each bill to a specific paycheck
- A leftover figure per pay period
- A savings line so a slice of every check is set aside first
How to use it
- Make a copy from the link below.
- Enter your paydays and the due date of each bill.
- Assign each bill to the paycheck that lands before it.
- Give every dollar a job until the leftover line stops going negative.
Best for variable or biweekly pay
If you are paid weekly or biweekly, or your income changes month to month, this beats a calendar-month budget. It answers the only question that matters in the moment: can this paycheck cover what is due before the next one.