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
Overview
If you're paid every two weeks, some months bring two checks and two months a year bring three. This spreadsheet budgets around that. Type your take-home pay and your next payday, list your bills, and each bill is placed under the paycheck that has to pay it.
The Extra Paychecks tab shows when your bonus checks arrive and lets you split them by percentage, for example between an emergency fund, debt and fun. Setup takes about 10 minutes, and a filled-in example shows how it all fits together.
One column per paycheck
Bills land in the check that covers their due date.
Plan your extra paychecks
See your two 3-paycheck months and split them by percentage.
Ready in 10 minutes
Enter pay, next payday and bills, and the plan builds itself.
Other pay schedules too
Weekly, twice-a-month and monthly pay also work.
What's inside
Paycheck Plan
Pick a month: income, bills, spending, savings and what's left for every check
Extra Paychecks
When your 3rd paychecks come and a percentage split for each one
Dashboard
Average monthly take-home, bills, what's left, this month, next 6 paydays, bills by category
Bills
Due day, amount, category and autopay
Spending Plan
Groceries, gas, fun money and savings on every check or only the 1st or 2nd of the month
Year Overview
12 months of income, bills, plan and spending, with 3-paycheck months flagged
Expenses
A simple spending log by date and category
Savings & debt
Sinking funds with a monthly amount, plus months to pay off and interest cost per debt
Paydays
Every payday for the next year, calculated for you
Start Here + example
A setup guide and a filled-in example file
How it works
- 1
Buy on Etsy, then download the START-HERE PDF and the Excel files from your Etsy Purchases page.
- 2
For Google Sheets, click the link in the PDF and choose Make a copy. For Excel, open the .xlsx file.
- 3
Type your take-home pay and next payday, list your bills, and the Paycheck Plan sorts them.
Good to know
- Digital download: nothing is shipped
- Personal use license: please don't share or resell the files
- Not financial advice: this is a planning tool, so check big money decisions with a qualified professional
Questions
How do I budget with biweekly pay?
Budget each paycheck instead of the whole month. List your bills with their due days, and the Paycheck Plan assigns each one to the check that arrives before it's due, showing what's left from every check.
Which months have 3 paychecks?
With pay every 2 weeks, two months a year have a 3rd paycheck. The Extra Paychecks tab finds them from your payday, and the Year Overview flags them.
What should I do with an extra paycheck?
That's your call. The Extra Paychecks tab lets you split it by percentage, for example part to an emergency fund, part to debt and part to fun.
Does it work if I'm paid weekly or monthly?
Yes. It's made for one income paid every 2 weeks, but weekly, twice-a-month and monthly pay also work.
Do I need Excel?
No. It works in free Google Sheets on a computer, tablet or phone. It also opens in Microsoft Excel, and Apple Numbers can open the Excel file.
How it's made: designed by Sorted Templates. We use AI tools to help draft text and lay out pages, and every page is reviewed and edited by us before it's listed. Lifestyle and mockup images may be AI-generated or AI-edited; the page previews show the actual files.
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