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AfterBills · Spreadsheet template

Paycheck Budget

What's left after bills?

Enter your take-home pay once and your bills once. The file assigns every bill to the paycheck that covers it, shows what is left and how much that is per day, and flags the tight paychecks of the next 12 before they happen.

$7.99instant download

Not sure yet? Try the free paycheck budget calculator first. Same logic, fewer rows.

AfterBills Paycheck Budget, cover with the dashboard

The first screen

This is the dashboard of the file, with the sample data it ships with. Replace the sample with your numbers and every tile updates.

Dashboard
$412 left
after bills, in the sample
Left after bills, next paycheck$412
Per day, until the paycheck after$29.43
Days until then14
Bills due before next pay$1,338
Number of bills7
Set aside first$100
Tightest of the next 12$57on the paycheck of 1 Jan 2027
Tight or short, next 123

A real example

$1,850 take-home every 2 weeks, $100 set aside first, 12 monthly bills totaling $1,978. These are the sample numbers shipped in the file.

  1. Next paycheck: 7 bills to cover, $1,338 in total
  2. Left after bills: $412, or $29.43 a day for 14 days
  3. Tightest of the next 12: January 1st, when the rent, the car payment and the student loan land on the same paycheck. $57 left, $4.07 a day
  4. 3 tight paychecks out of 12, flagged now, months ahead

Why by paycheck

A monthly budget says the month is fine: $4,008 in, $1,978 out, plenty left. It never tells you that the paycheck of January 1st has to cover the rent, the car and the student loan on its own, and leaves $57 for two weeks.

Each bill is counted on the paycheck that arrives just before its due date, so every paycheck gets its own answer: what it has to cover, what is left, and what that is per day.

What's inside

The tabs of the file, in the order you meet them. You only ever type in one or two of them.

01Start HereA written guide inside the file
02DashboardLeft after bills, per day, days until payday, tightest paycheck, the bills on this paycheck, the next 12 with a bar chart
03My PaycheckAmount, pay frequency, next payday, set-aside
04My BillsUp to 30 bills, amount, due day, category
05Pay PlanThe 12-paycheck engine: every bill assigned, OK, Tight or Short on each

What you get

One spreadsheet and one guide, delivered right after checkout.

  • Four pay frequencies: weekly, every 2 weeks, twice a month, monthly
  • Up to 30 bills, 8 categories with totals
  • Set aside first: savings come off the top before bills are counted
  • The next 12 paychecks, each flagged OK, Tight or Short
  • 726 formulas working behind one screen, none to write
  • Any currency, dropdown lists, sample data included
  • Formulas locked in Excel, clearly marked in Google Sheets
Files
1 spreadsheet (.xlsx) + 1 Quick Start Guide (.pdf)
Works in
Excel, Google Sheets, LibreOffice, Numbers
Currency
Any, you type the symbol once
Skills
None needed, no formulas to write
Delivery
Instant download, no account, no subscription
Support
Write to us and we fix it

Questions people ask

Which bills go on which paycheck?
Every bill due on or after a payday and before the next one goes on that paycheck. The Pay Plan tab does this for the next 12 paydays, so you can see a tight one coming weeks ahead.
What do OK, Tight and Short mean?
Short: the bills are bigger than the paycheck. Tight: less than a quarter of the paycheck is left after bills and set-aside. OK: more than a quarter is left.
I am paid twice a month on fixed dates, does it work?
Yes. Pick "twice a month" and the file uses the 1st and the 15th. Weekly, every 2 weeks and monthly are covered too.

AfterBills Paycheck Budget

What's left after bills? One file, and the answer is on the first screen.

$7.99instant download

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