Give every paycheck a plan · Google Sheets
Know which paycheck covers each bill. Reserve everyday spending and spot a projected shortfall before your next biweekly payday.
Free · personal use
Free for personal use. No payment or email required. Copy directly to Google Sheets, or import the downloaded .xlsx file into Google Sheets. Desktop Google Sheets is the supported editor.
Projected planning balances, not bank balances. Enter your own numbers; no bank connection or automatic bill payment. Desktop Google Sheets is the supported format.
This example starts with $100 and a $2,000 paycheck. Set aside $600 for everyday spending and account for $1,000 in bills. The projected closing balance is $500.
| First pay period | Amount |
|---|---|
| Starting balance | $100 |
| Paycheck | $2,000 |
| Everyday spending reserve | −$600 |
| Bills | −$1,000 |
| Projected closing balance | $500 |
That $500 carries into the next period. With another $2,000 paycheck, a $600 reserve and $200 in bills, the next projected closing balance is $1,700.
You can also see how a smaller paycheck affects the plan. Changing the first paycheck to $1,000 produces a projected balance of −$500 for that period and $700 for the next, with the other inputs unchanged.
These are example amounts. The workbook estimates balances from the income, reserves and bills you enter; it does not connect to your bank or make payments.
Inside the workbook
Explore Dashboard, try a yellow input in Example, and see where your records go. The figures below are examples.
Review any negative period before assigning more money.
Sample workbook figures. This dashboard uses an eight-paycheck example; the Example tab shows a separate two-paycheck plan.
Projected closing balances: $500 after paycheck 1 and $1,700 after paycheck 2.
| Paycheck | Income | Reserve | Bills | Closing |
|---|---|---|---|---|
| 1 | $2,000 | $600 | $1,000 | $500 |
| 2 | $2,000 | $600 | $200 | $1,700 |
Sample figures in USD. Starting available balance: $100. These are projected balances, not bank balances.
Enter up to 10 monthly bills, generate occurrences, then copy and paste Values only into Bills. This does not automatically write to Bills or pay a bill.
| Bill | Amount | Due day |
|---|---|---|
| Rent | $1,000 | 3 |
| Utilities | $200 | 17 |
Use a Google account to copy the workbook into your own Drive after receiving your template.
Change a yellow input in Example. Practice figures stay separate from your own plan.
Add your inputs, then review Dashboard. Leave formula cells intact.
No bank connection, add-on, or Apps Script authorization required. Desktop setup is recommended.
User feedback
Feedback about this template.
User review
Biweekly Budget
I love how easy it is to plan around my two-week pay schedule. Before this, I was always guessing how much money I had left after bills. Now everything is laid out clearly, and I actually look forward to checking my budget.
User review
Biweekly Budget
This is exactly what I needed for my paycheck schedule. I used to struggle with figuring out which bills to pay first, but now I can plan everything ahead of time. It's simple, practical, and easy to keep up with.
User review
Biweekly Budget
Working different shifts means my paychecks aren't always exactly the same. This budget helps me stay organized even when my income changes a little. I feel much more prepared for upcoming expenses.
User review
Biweekly Budget
Getting paid every other Friday used to make monthly budgeting a little confusing. This template fits my schedule perfectly. I can plan bills, groceries, and savings without constantly doing the math myself.
User review
Biweekly Budget
My paycheck comes every two weeks, and this spreadsheet makes planning so much easier. I used to just check my bank balance and hope everything worked out. Now I know what's coming up before I spend anything.
One workbook, a clear routine
One Google Sheets workbook with 9 tabs for setup, practice and your everyday plan.
Assign bills to paychecks available before each bill is due
See balances carry into the next period
Generate monthly bill records, then paste values
Follow a practical example, one step at a time.
Choose the free copy link and save the workbook in your own Google Drive.
Change a yellow input. Practice is separate from your own financial plan.
Follow Start Here, add your own inputs, and review Dashboard.
Before you choose
For pay arriving every 14 days, including pay periods that cross a month.
User review
Biweekly Budget
This is exactly what I needed for my paycheck schedule. I used to struggle with figuring out which bills to pay first, but now I can plan everything ahead of time. It's simple, practical, and easy to keep up with.
Free · personal use
Projected planning balances, not bank balances. Enter your own numbers; no bank connection or automatic bill payment. Desktop Google Sheets is the supported format.
Free for personal use. No payment or email required. Copy directly to Google Sheets, or import the downloaded .xlsx file into Google Sheets. Desktop Google Sheets is the supported editor.
No. This workbook is for pay arriving every 14 days. Its rolling 365-day planning range includes 27 payday dates; it is not a fixed twice-monthly schedule.
No. It generates occurrence records for up to 10 monthly bills. Copy the generated records and use Paste special → Values only in empty Bills rows. Check existing records before regenerating to avoid duplicates. It does not sync or pay a bill.
Yes. Get a free Google Sheets copy or download the workbook for personal use. No payment or email is required.
Google Sheets for desktop use. A Google account is required to create your own copy. Excel is not an available delivery format.
You can browse and try the website examples on your phone. Use Google Sheets in a desktop browser to set up and edit your workbook.
No bank connection, automatic bank import, add-on or Apps Script permission is required. Enter your own numbers in your own workbook copy.
One Google Sheets workbook with setup guidance and practice examples included as tabs. A downloadable workbook is also available for importing into Google Sheets.
Use the yellow input cells and follow Start Here. Leave formula cells intact. Inserting extra rows does not expand the supported capacity.
365-day planning range with 27 payday dates; up to 300 scheduled bill entries. Bill Builder supports up to 10 monthly bills.
No. The current workbook is free for personal use.
Choose Get free Google Sheets copy. Sign in to Google, then choose Make a copy to save it to your own Drive.
See Help for copying, importing and getting started. These free workbooks do not require a payment.
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