Paycheck to Paycheck Budget Planner | Payday Excel Template (£ $ €)
Know exactly what you can spend until your next payday. The Payday Budget Planner is an interactive Excel spreadsheet that works out what is left after your bills and gives you a weekly spending allowance. Choose £, $ or € on the Settings tab and every heading follows.
Save £7.98: get this planner plus the Debt-Free Journey Planner and the Household Management Dashboard together in the Complete Home & Money Planner Bundle for £24.99.
Planning Christmas too? Get this planner plus the Christmas Planner & Budget Tracker in the Christmas Money Bundle for £12.99 and save £3.99.
What's inside (9 tabs)
- Payday Summary: your next payday and days to go, the money in your account after your buffer and bills due before payday, what is left to spend, and your weekly spending allowance.
- Paydays: an income log with expected and received amounts.
- Bills: bills and direct debits with next due dates. Overdue bills and bills due before payday are flagged automatically.
- Spending: log what you spend by category.
- Budgets: monthly budgets for food, travel and more across 11 categories, with spent, remaining and % used.
- Unexpected: record unplanned costs and how you covered them.
- Monthly Summary: income, bills, everyday spending, unexpected costs and what was left over for every month of the year.
- Settings: choose your currency, enter the money in your account now and set a buffer to keep.
How to use it
- Download the file after purchase and open it in Microsoft Excel.
- Start on the Start Here tab, then use Settings to choose your currency and enter the money in your account now.
- Add your paydays on Paydays and your bills on Bills. Type only in the yellow cells. Grey cells calculate themselves.
- Set your monthly budgets, then log what you spend on Spending.
- Check the Payday Summary for your spending allowance. Update the money in your account on Settings whenever you check your balance.
Good to know
- Digital download. No physical item is sent.
- Built for Microsoft Excel. Dates use the day/month/year format (dd/mm/yyyy).
- When you pay a bill, log it on Spending under "Bills & direct debits" so it shows in your Monthly Summary.
- Weekly allowance = money in your account, minus your buffer and bills due before payday, divided by the weeks until payday.
This planner is for organisation only. It is not financial or debt advice. If you are struggling to pay your bills, free independent help is available from reputable services in your country.