The ⌂ Dashboard sheet from Payday Budget Planner

The Bills sheet from Payday Budget Planner

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Payday Budget Planner

Know exactly which bills to pay from every paycheck — and what's left. A focused payday-by-payday budget with a 12-month bill calendar, sinking funds, and shortfall warnings.

$19one-time purchase

Instant digital download
Instant download. If something is broken or not as described, we'll make it right.
No subscription — yours to keep
Personal-use license included

Overview

The Payday Budget Planner answers the one question that matters every payday: which bills come out of this paycheck, what moves to savings, and what's actually left to spend. Set your pay frequency and take-home pay once, list your bills, and the workbook assigns every bill to the paycheck that will cover it.

A 12-month rolling calendar forecasts your running cash balance and flags any paycheck heading for a shortfall before it hits, while sinking funds turn the big irregular costs — insurance, registration, the holidays — into a small amount set aside each payday.

Your data stays in this file — nothing is sent anywhere.

Features

What this tool does

Payday-by-payday bill list for weekly, bi-weekly, semi-monthly or monthly pay
12-month rolling bill calendar
Running cash-balance forecast with shortfall warnings before they hit
Sinking funds for irregular bills
Category spending breakdown across 12 months
Autopay tracking
This Payday view — what to pay, save, and spend from each check
Plan-health dashboard with charts

See inside the workbook

Every working sheet in Payday Budget Planner. Click a sheet to zoom, or use the arrow keys.

Sheet 1 of 7

Start here

Your bills and goals

Each payday

Your whole plan on one screen: what's left to spend this payday, the 12-month totals by category, and a heads-up on any paycheck heading for a shortfall.

Figures shown are sample data, not your numbers.

Benefits

What changes for you

Built around your paycheck, not the calendar month

If you're paid weekly, bi-weekly, or on an uneven schedule, a monthly budget hides the tight weeks. This planner assigns every bill to the payday that covers it, so you see the real picture.

See a shortfall coming, not after

The running cash-balance forecast flags any paycheck that can't cover its bills weeks ahead of time, while you still have room to move something.

Irregular bills stop being emergencies

Sinking funds break the big once-a-year costs into a little set aside each payday, so insurance and the holidays arrive already paid for.

Who it's for

Anyone paid weekly, bi-weekly, or on an uneven schedule
People who keep running short between paychecks
Anyone who wants a simple, focused bill planner rather than a full system
Households juggling autopay dates and irregular bills

Who it's not for

People on Excel 2019 or older — the This Payday tab needs Microsoft 365 or Excel 2021 or newer
Anyone who wants budgeting methods, debt payoff and savings challenges too — that's the Budget & Debt Navigator
People who want automatic bank syncing — this is hands-on by design

Honest fit matters more to us than a sale — ask us before you buy and we'll tell you straight.

What's included

Everything in the box

Excel workbook (.xlsx) — requires Microsoft 365 or Excel 2021 or newer
Quick Start guide (PDF) and a built-in Welcome + Start Here walkthrough
Capacity for up to 25 bills and 20 savings goals
No subscription — yours to keep

Questions

Frequently asked questions

Microsoft 365 or Excel 2021 or newer, on Mac or Windows. The This Payday tab uses modern dynamic-array formulas to build your bill list automatically, and those aren't available in Excel 2019 or earlier. Every other tab works, but that one is the heart of the planner.

The Payday Budget Planner does one job — payday-by-payday bill planning — and does it simply. The Budget & Debt Navigator is the full system: four budgeting methods, debt payoff, a savings center, net worth and more. If you only want to line your bills up against your paychecks, start here; you can always move up later.

No. Everything is pre-built — formulas, charts, and dashboards are ready to go. You only type into clearly marked input cells (they’re highlighted), and a Welcome tab walks you through setup in about ten minutes.

Yes. The workbook is a standard Excel file (.xlsx) that works on Mac, Windows, and Excel for the web. Microsoft 365 is recommended for the best experience.

The workbooks are designed and tested for Microsoft Excel. Google Sheets can import .xlsx files, but some advanced formulas and charts may not convert perfectly, so we don’t officially support Sheets at this time.

Completely. This is a file you own, on your computer. There’s no account, no cloud sync, and no data collection — your numbers never leave the workbook.

Because these are digital files with immediate access, purchases are generally non-refundable once downloaded. If you hit a technical issue or a broken formula, email us within 30 days and we'll make it right.

Version history

v1.0September 17, 2026
- Initial Merieva release

What we’re exploring

Ideas we’re considering for future editions — not a commitment, and not included with this purchase.

Optional annual-view print report
More spending-category presets

Roadmap items ship when they're ready — no timeline promises.

Zero-risk purchase

Instant download. If something is broken or not as described, we'll make it right. Personal-use license included with every purchase. Commercial licenses available. Questions before you buy? We answer fast.

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