Budget Spreadsheet Google Sheets, Paycheck Budget & Bill Calendar, Biweekly Monthly Budget Planner, Bill Tracker, Debt Payoff Tracker

Know what is coming in, what is due, and what is left.

Budget & Bill Planner is a Google Sheets Spreadsheet that keeps your paychecks, bills, spending and budget in one place. Type or paste your transactions and the sheet marks your bills Paid, sorts your spending and keeps your budget up to date.

WHAT YOU GET

• A PDF with a link to make your own copy of the Google Sheets template (instant download)
• A quick-start guide, also in the PDF
• 100+ starter auto-sort Rules you can edit

Photos show sample data. Your copy starts blank.

HOW IT WORKS

1. Make your own copy of the template in your free Google account.
2. List your accounts, paychecks and bills once.
3. Type or paste what you spend. The Dashboard, This Month calendar and Budget fill themselves in.

WHAT IS INSIDE

• Start Here: a seven-step setup checklist that ticks itself off
• Dashboard: income, spending, what is left over, savings rate and bills left to pay
• This Month: a calendar of every paycheck and bill, with Paid, Received, Due soon and Overdue. A paycheck planner shows what each paycheck needs to cover, and a note warns you about extra paychecks in a 26-pay year
• Recurring: paychecks, bills and subscriptions. Weekly, every 2 weeks, twice a month, monthly, quarterly, yearly and more. Change a price or skip a month for just that month
• Budget: plan vs actual for every category, with on-track and over-budget status
• Transactions: type it or paste it from your bank. A Check column tells you what to fix
• Rules: teach the sheet a word from a shop name and it sorts every matching row. Optional: use your bank's own Category column
• Accounts: balances update from your transactions, with a "difference vs your bank" check
• Annual Summary: your year, month by month
• Subscriptions: totals, plus Keep, Review or Cancel for each one
• Optional tabs you can turn on in Settings: Debt Payoff (Snowball vs Avalanche, debt-free date, interest saved) and Savings Goals

A GOOD FIT IF

• You are paid weekly, every 2 weeks, twice a month or monthly and want to plan paycheck by paycheck
• You use credit cards and want payments counted once, not as spending twice
• You would rather see your whole month on one page than juggle several apps

PLEASE READ BEFORE YOU BUY

• This is a Google Sheets template. You need a free Google account and a web browser. It is not for Excel or Apple Numbers.
• It does not connect to your bank. You type your transactions or copy and paste them from your bank's transaction export.
• Bills turn Paid when you give each one a "Bank text" (a word from how your bank writes it, like NETFLIX). Setup is a one-time job.
• The starter Rules are written for US shops and banks. A shop the sheet has not seen shows as Unsorted until you add a Rule. Unsorted rows still count in your totals.
• Not included: no envelope rollover of unspent budget, no per-person tracking for couples, no tax set-aside for freelancers.
• Room in each copy: 5,000 transactions, 60 paychecks and bills, 12 accounts and 120 Rules.
• The Google Sheets phone app works for viewing and typing a few rows. Pasting a whole bank export is easiest on a computer.

HOW YOU GET IT

After you buy, download the PDF from the link on your order confirmation page or in your confirmation email. Open the link inside and click "Make a copy". Your copy is saved in your own Google Drive. This is a digital item, so nothing is shipped.

QUESTIONS?

Message me through the contact page. Tell me which tab you are on and what you see, and a screenshot helps.

TERMS

For personal use. Please do not share or resell the template or the guide. Budget & Bill Planner is a personal organizing tool. It is not financial, tax or legal advice, and debt payoff figures are estimates based on the rates and payments you enter.

SHOP POLICY:

Because this is a digital download, I can't take returns or exchanges once the file has been delivered. If something doesn't work, message me within 14 days of your purchase and I will help you fix it. If I can't solve it, I will refund you.