Planners

Paycheck-to-Paycheck Debt Payoff Planner

The Paycheck-to-Paycheck Debt Payoff Planner is a Google Sheets template that budgets by paycheck instead of by month: it shows which paycheck pays which bill, how much is safe to spend until the next payday, and the fastest way out of debt with snowball and avalanche side by side. It's for people living paycheck to paycheck, paid weekly, biweekly, twice a month or monthly. It costs US$9.

Price: $9 USD
Format: Google Sheets (copy link in a PDF)
Instant download via Payhip

Paycheck-to-Paycheck Debt Payoff Planner cover

What's included

Start Here: 5 small steps in plain English
Setup: pay frequency, one payday, take-home pay, spending, starter buffer, extra debt payment
My Paycheck: a phone-friendly view of what to pay and what's safe to spend
Paycheck Plan for your next 12 paychecks, with short-paycheck warnings
Bills (up to 25) and a Bill Calendar grouped by the paycheck that pays each bill
Debts (up to 10) and a Debt Plan comparing snowball, avalanche and minimums only
Sample data and a PDF quick-start with your copy link

How it works

Click "Make your copy" in the PDF while signed in to Google.
On Setup, choose how often you're paid and type one payday and your take-home pay.
Type your bills and debts over the sample rows.
Every payday, open My Paycheck; once a month, update your debt balances.