Running out of money before payday isn't a math problem. It's a timing problem. The same bills cost the same every month, but WHICH paycheck pays them decides whether you glide to payday or white-knuckle it.
The free Paycheck Planner maps every bill to the paycheck that pays it, and warns you in red before a paycheck comes up short.
See your ending balance for every paycheck, calculated for you
Red warning the moment a paycheck would dip below zero
10-minute setup · Google Sheets + Excel · yours forever
Pop in your email and it's yours in one click.
Map your bills to paychecks and the planner does the math. The moment one paycheck can't cover its bills, you see it coming, while there's still time to move a bill instead of overdrafting.
| Paycheck 1 · 8/07 | Paycheck 2 · 8/21 | |
|---|---|---|
| Income | $2,400 | $2,400 |
| Mortgage | $1,650 | — |
| Electric + water | $205 | — |
| Car payment | — | $320 |
| Groceries + gas | $450 | $650 |
| Daycare | — | $1,540 |
| Ending Balance | $595 | −$83 ⚠ |
Today's balance, then your next few paycheck dates and amounts across the top. Weekly, bi-weekly, or the 1st and 15th, they all work.
Type each bill under the paycheck that pays it. This is the piece almost no budget does, and it's the piece that ends the "wait, THAT comes out this week?" panic.
Every ending balance calculates itself. If one turns red, move a bill to a different paycheck until it doesn't. You just prevented an overdraft two weeks before it existed.
Back in 2016, mapping bills to paychecks was the first money tool I ever built at my own kitchen table, because I was tired of perfectly good months falling apart in week two. Moms asked for a copy, then their friends did, and Redefining Mom® grew from there. This planner is that original method, rebuilt fresh, and it's my gift to you.
One click. Yours forever.