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Budget Templates & Debt Payoff Spreadsheets

Budget templates built around how money actually arrives: by paycheck. Plan each check before it lands, see every bill in one place, and watch debts shrink as the spreadsheet does the math.

6 templates

14 challenges2027 dates

2027 Savings Challenge

Fourteen printable savings challenges for 2027, from $500 to $10,000, plus cash envelope mini challenges and goal trackers.

$3.00$5.9950% off
11 tabsSheets + Excel

Biweekly Budget Spreadsheet

Paid every two weeks? See what each check covers and plan your 3-paycheck months ahead.

$4.50$9.0050% off
Works offline8 tools

ADHD Budget Planner App

One clear number for what you can spend before payday, with bills, paychecks, goals and debt in a simple offline app.

$5.00$9.9950% off
Snowball + avalancheWorks offline

Debt Payoff Tracker App

See the month you'll be debt-free, compare snowball and avalanche, and log payments as the balances fall.

$5.00$9.9950% off

Budget by paycheck, not by month

If you're paid weekly or every two weeks, a monthly budget never quite lines up with your bank account. Paycheck budgets assign each bill to the check that pays it, so you always know what's left until the next payday.

Debt snowball or avalanche?

The snowball method pays the smallest balance first for quick wins. The avalanche method pays the highest interest first and usually costs less overall. A good debt planner lets you compare both and pick the one you'll stick with.

Printable budget planners

Prefer pen and paper? See the printable budget planner in Printable Planners.