Paycheck Budget Spreadsheet with Sinking Funds

What's inside

• 12-month budget, plan vs actual
• Paycheck-by-paycheck plan and bill calendar
• Sinking funds and emergency-fund planner
• 50/30/20 and zero-based checks

The tabs

1. Budget
2. Paycheck plan
3. Bill calendar
4. Sinking funds
5. Emergency fund

With the example data

It opens filled with a realistic example, so you can see how it works before you type your own numbers.

Months planned

12

Needs / wants

58% / 16%

Sinking funds

Up to 15 goals

How you use it

1. Budget sheet: set the first month, then replace the example categories and amounts with yours. Give each line a type: Income, Need, Want or Save.
2. Aim for 'Left to assign' = $0. That means every dollar has a job (a zero-based budget).
3. Paycheck plan sheet: pick how often you're paid, type one recent payday and list your bills with their due day. It shows which paycheck pays each bill and what's left from every paycheck.
4. Bill calendar sheet: the month at a glance. Paydays are green, and each day shows the bill due and the amount.
5. Each month, type what you actually spent into that month's column. The Average and vs plan columns show where you drift.

Try the free calculators first

The sheet does the same math as these calculators, every month, with your own numbers.

• 50/30/20 Budget CalculatorHow should I split my take-home pay?
• Paycheck CalculatorHow much of my salary will I actually take home?
• Savings Goal CalculatorHow much do I need to save each month to reach my goal?

Questions