Monthly budgets don't match a biweekly paycheck. This spreadsheet does. Enter your pay and your bills once, and every paycheck shows which bills it has to cover and what's actually safe to spend.
Get the kit · $9| Payday | Take-home | Bills due | Savings | Left to spend |
|---|---|---|---|---|
| Fri Oct 9 | $2,150 | $387 | $150 | $1,613 |
| Fri Oct 23 | $2,150 | $1,753 | $150 | $247 |
| Fri Nov 6 | $2,150 | $616 | $150 | $1,384 |
| Fri Nov 20 | $2,150 | $1,913 | $150 | $87 |
| Fri Jan 1 | $2,150 | $1,981 | $150 | $19 |
| Fri Jan 15 3-check month | $2,150 | $548 | $150 | $1,452 |
| Fri Feb 26 | $2,150 | $2,072 | $150 | −$72 |
Rent is due on the 1st. Your paycheck came on the 23rd. A monthly budget says you're fine; your checking account says otherwise.
Every row is one paycheck and the bills due before the next one. The paycheck that has to cover rent turns red weeks ahead, not the day of.
Twice a year you get a "bonus" paycheck. The kit flags those months so the extra check goes to savings or debt on purpose.
Type your payday, take-home pay, and bills. No formulas to touch. Sample data shows you how it should look.
Log a purchase with a date and it's counted against the paycheck it came out of, so "left to spend" stays honest.
Holidays, car repairs, vacation. Enter the goal and date, and it tells you exactly how much to set aside per paycheck.
Ranks your debts smallest-first and shows how many months the extra payment saves on the first one.
Enter any recent payday (biweekly pay). We'll show the next 12 months and highlight the ones with three paychecks.
An organizing tool, not financial advice. Personal-use license for your household. Sold by Cooper Digital; charges appear as COOPER DIGITAL. Refund policy · Terms
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New to budgeting by paycheck? Start here.
Which months have 3 paychecks in 2027 if you are paid biweekly? Tables for every weekday and both pay cycles, adjusted for bank holidays, plus how to use the extra checks.
A 6-step method to budget biweekly paychecks: budget on two checks a month, assign bills by due date, plan variable spending per check, and use the 2 extra checks.
Three ways to split monthly bills between biweekly paychecks: by due date, half-and-half, or by moving due dates. Worked examples and how to fix the heavy rent check.
Seven smart uses for the extra paycheck in a 3-paycheck month, a decision order, and a worked example showing what two extra checks a year can do.
Biweekly is every two weeks (26 checks); semimonthly is twice a month (24 checks). Compare check sizes, budgeting, overtime and which is better for you.
Sinking funds are savings for expenses you know are coming. How they work, common categories, how much per paycheck, and where to keep the money.
Yes. Upload the file to Google Drive, open it, then choose File > Save as Google Sheets. Everything recalculates.
This kit is built for every-other-week pay. Semi-monthly pay doesn't have 3-paycheck months, so a monthly budget split in two works better for you. Email us before buying if you're unsure.
Right after payment you land on a download page. Bookmark it: the link works for 30 days. Lost it? Email us with the email you paid with.
If it doesn't work for you, email within 14 days of purchase for a full refund. Details: Refund policy.
No. Nothing connects to your accounts. Your numbers stay in your own file.