The Paycheck Plan is a budget built on paychecks, not months. Every bill lands on the check that pays it, short checks get flagged before payday, and your bonus months get a plan.
Monthly budgets pretend your money shows up on the 1st. Yours shows up every other Friday. So rent and the car payment land on one check, the next one feels huge, and it's gone before the insurance bill hits.
It isn't a discipline problem. It's a timing problem. Timing problems have fixes.
Then check it every payday. Five minutes, every other Friday.
How often you're paid, your first 2027 payday and your usual take-home. The whole year builds itself.
Amount, due day and how often. Monthly, quarterly or yearly. You only do this once.
Every check shows its bills and what's yours to spend. Anything red comes with the exact fix.
Each bill drops onto the last paycheck that lands before it's due. Checks turn green, amber or red, so you know which ones are tight before payday, not after.
Paid every two weeks means 26 checks, not 24. The calendar marks your bonus months the day you set it up, so that money gets a plan instead of disappearing.
Pick your split once. Debt, savings, something fun. Every bonus check gets divided before it lands, and the plan is written out in plain words.
Budget on your lowest typical check. Everything above it flows down a priority list you choose, so good weeks actually move you forward.
Google Sheets and Excel versions included. No subscription, no bank logins, plus the free 2028 update.
Everything you need to budget by paycheck.
The full plan, plus debt and savings wired to your paychecks.
Add each debt's balance, rate and minimum. Choose snowball or avalanche, add an extra amount per paycheck, and it's set aside on every check automatically.
If you're paid every two weeks, two or three months next year hand you an extra check. The free 2027 Paycheck Calendar shows every payday with your bonus months circled.
No. A free Google account works, and you can use it in the Google Sheets phone app. The Excel version is included too, for Excel 2019, 2021 or Microsoft 365.
Yes. Pick weekly, every two weeks, twice a month (1st and 15th, or 15th and last day) or monthly. Your calendar and paychecks rebuild to match.
No. Pay once and keep it. When the 2028 edition is ready, you get it free.
No, on purpose. It's a sheet you own, in your own Google Drive or on your computer. Nobody else sees your numbers.
You'll only ever type in white cells. Everything else is calculated and protected so nothing breaks, and the setup guide walks you through it in about 10 minutes.
Because it's a digital file, sales are final. If anything isn't working, email us and we'll fix it with you.