Debt-Free Paycheck Budget

A paycheck-by-paycheck budget for Excel that finds money for your debt payments, with a baseline-income mode for irregular pay.

Excel (.xlsx), can be imported into Google Sheets

Paid templates will be available here when checkout opens.

What's included

• Zero-based, paycheck-by-paycheck budget: plan each paycheck, including your debt payments, on a dedicated debt-payments line
• Irregular-pay "baseline income" mode: budget from a conservative baseline and assign anything above it when it arrives
• Sinking-funds section for non-monthly costs (car repairs, gifts, annual fees)
• Surplus figure: how much you can put toward debt each pay period (enter it yourself as the extra payment in Debt Payoff Planner Pro; the files are not linked)
• Instructions and a filled-in example tab
• Works in Excel; can be imported into Google Sheets

Compatibility

• Works in Microsoft Excel
• Can be imported into Google Sheets with File > Import (free Google account required); Excel's cell protection doesn't carry over
• No macros: formulas only, with formula cells protected in Excel so they are hard to break by accident
• Apple Numbers is not supported.