Paycheck-to-Bill Planner (Sheets + Printable)
$9
My paycheck never lines up with my rent due date.
If that sounds familiar, the problem usually isn't the total. It's the timing. Rent is due on the 1st and the check lands on the 5th. A bill gets paid late, a fee hits, and the next check starts out behind.
This planner fixes the timing first. It matches every bill to the paycheck that has to pay it, so you know what each check is already spoken for and what is really yours to spend.
How it works
1. Enter how often you're paid, your next payday and your take-home pay.
2. List your bills once, with the day each one is due.
3. The spreadsheet builds your next 3 months of paydays and gives every bill to the last paycheck that arrives before its due date.
4. Each check shows what it must pay, what's left, and a status: OK, TIGHT, SHORT (covered) or SHORTFALL. You see short weeks coming before they happen.
What's inside
- Spreadsheet (Google Sheets + Excel): Setup, Bills, Paycheck Plan, Check-by-Check payday list, 3-month Calendar, Buffer Builder (goal: one month ahead, with a progress bar), Debt & Late Fee tracker, and an Irregular Income mode with a pay-first list. Real formulas, so you never do the math.
- Two copies: one filled with example data so you can see how it works, and one blank.
- 22-page printable planner (undated, US Letter): worked example, bill list, bill-to-paycheck map, one page per paycheck, month at a glance, a shortfall plan with phone scripts (asking for a new due date, asking to waive a late fee), buffer tracker, sinking funds, no-spend tracker, fee and overdraft tracker, and debts and minimums.
- Start Here guide: how to open the file in Google Sheets or Excel, a 15-minute setup and a 10-minute payday routine.
Works with any pay schedule: weekly, every 2 weeks, twice a month, monthly, or irregular / gig income.
Good to know
- It doesn't connect to your bank. You type in your own numbers, so your information stays with you.
- Free Google Sheets works. No Excel needed.
- This is an educational tool, not financial advice. It organizes the numbers you enter and does not guarantee any result.
Because this is a digital download, all sales are final, but message me if you have any trouble with your files.