{"product_id":"semi-monthly-paycheck-budget","title":"Semi-Monthly Paycheck Budget Spreadsheet","description":"\u003cp\u003eThis semi monthly budget spreadsheet is made for pay that lands twice a month, on the 1st and the 15th. You plan each of your 24 paychecks separately, and a single dashboard shows one pay period or the full year: income, spending, where it went, what you saved and what rolls forward.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eThe dashboard\u003c\/h2\u003e\u003cp\u003ePick any paycheck, or the whole year, and every chart on the page follows. It fills itself from your transactions.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eFive live cards: money in, money out, saved, savings rate and the amount rolling over\u003c\/li\u003e\n\u003cli\u003eThe change against the last paycheck on every card, shown with an up or down arrow\u003c\/li\u003e\n\u003cli\u003eA 24-paycheck mini chart inside each card, with the paycheck you picked highlighted\u003c\/li\u003e\n\u003cli\u003ePaycheck flow: income against spending for all 24 paychecks, plus what rolls over\u003c\/li\u003e\n\u003cli\u003eWhere it went: spending by group with the total in the center and each share as a percentage\u003c\/li\u003e\n\u003cli\u003eBudget against actual for every group, with any overspending called out\u003c\/li\u003e\n\u003cli\u003eYour top categories, subscriptions, debts, savings goals and the 50\/30\/20 split\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eNineteen connected tabs\u003c\/h2\u003e\u003cp\u003eAs a paycheck budget, the tabs are grouped by the job they do around each payday.\u003c\/p\u003e\u003ch3\u003eEvery pay period\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003ePaychecks:\u003c\/strong\u003e all 24, each with income, brought forward, available, spent and left over\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBudget by Paycheck:\u003c\/strong\u003e choose a period and see planned, spent and left for every category\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome:\u003c\/strong\u003e weekly, bi-weekly, semi-monthly or monthly pay cycles\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTransactions:\u003c\/strong\u003e 2,000 rows, the single source every other tab reads\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eBills and subscriptions\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eRecurring:\u003c\/strong\u003e the bills that repeat and the day each one lands\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBill Calendar:\u003c\/strong\u003e all twelve months, showing what is due on which day, so it doubles as a bill tracker\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSubscriptions:\u003c\/strong\u003e a subscription tracker with monthly and annual cost that flags anything over 300 dollars a year\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccounts:\u003c\/strong\u003e checking, savings, cards, cash and investments\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eGet ahead\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e50\/30\/20:\u003c\/strong\u003e needs, wants and savings against the rule of thumb\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff:\u003c\/strong\u003e choose snowball or avalanche and the payoff order works itself out\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSinking Funds:\u003c\/strong\u003e once-a-year bills, saved for a little every payday\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings Goals:\u003c\/strong\u003e the target, what you have saved and the month you reach it\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNet Worth:\u003c\/strong\u003e what you own less what you owe\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eAnnual Summary, Expense Breakdown and No-Spend Challenge\u003c\/strong\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eLight and dark editions\u003c\/h2\u003e\u003cp\u003eEvery download includes a light edition and a dark mode budget edition. Every tab is restyled, not only the dashboard, and the formulas are identical. Both come filled with a worked example and blank, in Excel and in Google Sheets, so you can see a budget by paycheck working before you start your own.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eBuilt with no dynamic arrays, no macros and no add-ins, so it behaves the same everywhere\u003c\/li\u003e\n\u003cli\u003eNo subscription and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eLight edition: the Excel workbook filled with a worked example, and a blank one\u003c\/li\u003e\n\u003cli\u003eDark edition: the same two files in the dark design\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, with one-click links to the Google Sheets versions (light and dark, filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYour files are ready as soon as payment clears. The template is for your personal use on your own devices; please do not share or resell the files. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eIs this an Excel file or a Google Sheets file?\u003c\/h3\u003e\u003cp\u003eBoth. You download Excel workbooks for Excel 2016 or later on Windows and Mac, and the instruction guide links to the Google Sheets versions so you can make your own copy with a free Google account.\u003c\/p\u003e\u003ch3\u003eHow does it handle two paychecks a month?\u003c\/h3\u003e\u003cp\u003eIt treats each payday as its own budget period, 24 in the year. Each one shows income, money brought forward, what is available, what you spent and what is left over.\u003c\/p\u003e\u003ch3\u003eCan I add income that is paid on another schedule?\u003c\/h3\u003e\u003cp\u003eYes. The Income tab supports weekly, bi-weekly, semi-monthly and monthly pay cycles.\u003c\/p\u003e\u003ch3\u003eDoes it connect to my bank?\u003c\/h3\u003e\u003cp\u003eNo. You log each transaction yourself, once, and every tab and chart updates from that list. There is no bank connection and no subscription.\u003c\/p\u003e\u003ch3\u003eAre the light and dark editions different?\u003c\/h3\u003e\u003cp\u003eOnly in how they look. Both have the same tabs and formulas, and both are in every download.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597859717214,"sku":"OPX-004","price":27.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/semi-monthly-paycheck-budget-01.jpg?v=1790831942","url":"https:\/\/opxviashop.com\/products\/semi-monthly-paycheck-budget","provider":"OPXVIA","version":"1.0","type":"link"}