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
When two people get paid on different days, a monthly budget never quite lines up. This spreadsheet works from your real paydays instead: enter each earner's pay schedule once, and it lays out every payday for the year and drops each bill into the paycheck that has to cover it.
You both see what each check pays, what goes to groceries and savings, and what's left. Share your Google Sheets copy and you're looking at the same plan, live. Budgeting on one income? Leave the second earner empty.
Bills sorted by paycheck
Each bill lands in the check that covers its due date.
Any pay schedule
Weekly, every 2 weeks, twice a month or monthly, for each of you.
Paydays worked out
Every payday for the next year is calculated from your schedule.
One plan for both
Share your Google Sheets copy so you both see live numbers.
What's inside
Dashboard
Average monthly take-home, bills, plan and left over, this month, next 6 paydays, bills by category
Paycheck Plan
Pick a month: one column per paycheck with income, bills, spending, savings and left over
Bills
Due day, amount, category, autopay and who pays it
Spending Plan
Groceries, gas, fun money and savings per paycheck, from one or both of you
Year Overview
12 months of income, bills and plan, with extra-paycheck months flagged
Expenses
A simple log by date, category and who paid
Savings & debt
Sinking funds with a monthly amount, plus months to pay off and interest cost per debt
Paydays
Every payday for both earners, calculated automatically
Start Here + example
A setup guide and a filled-in two-income family month to learn from
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
Add each earner's pay schedule and list your bills. The Paycheck Plan sorts them for you.
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 you budget by paycheck as a couple?
Enter each person's pay schedule and list your bills with their due days. The Paycheck Plan turns every paycheck in the month into a column and puts each bill under the check that covers it, so you can see what each one pays and what's left.
What if we get paid on different schedules?
That's what it's built for. Each earner can be paid weekly, every 2 weeks, twice a month or monthly, and both sets of paydays are worked out for you.
Can we both use the same budget?
Yes. Share your Google Sheets copy with your partner and you'll both see the same plan as it updates.
Does it work for a single income?
Yes. Leave the second earner blank and it works as a one-income paycheck budget.
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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