Excel + Google Sheets

Budget by paycheck, not by month.

Spreadsheets that show you the tight week before it arrives — for your household and your small business. Built by an accountant who does this for a living. No app, no subscription, your data stays in your file.

Get the free Mini Paycheck Budget See the templates

Instant download · Works in Excel 2016+ and Google Sheets · Not financial, tax or legal advice

Paycheck Planner SAMPLE DATA
Paycheck dateJan 2Jan 16
Money in this paycheck
Take-home pay5,3005,300
Other income (monthly)1,600-
Total in6,9005,300
Bills paid from this paycheck
Rent / mortgage3,200-
Utilities, insurance, car-1,095
Groceries, gas, kids, medical975975
Savings + extra debt payment800800
Total assigned5,7803,340
Left from this paycheck1,1201,960
Running balance7,5209,480

Why a spreadsheet, and why these

Budget apps hide the math. A good spreadsheet shows it — and lets you change anything.

Same engine, every file

One transactions log feeds every report (SUMIFS, no macros). Type it or paste a bank export; the budget, the paycheck plan and the dashboard update together.

Built the way a bookkeeper would

Owner draws and tax set-asides are tracked as cash but kept out of profit. Savings transfers count as spending so the plan stays honest. Every assumption is labelled.

Yours to keep

Blue cells are yours, black cells are formulas. No login, no monthly fee, nothing sent anywhere. Open it in Excel or make a copy in Google Sheets.

The templates

Two workbooks, one for the house and one for the business. Both include a Start Here tab, labelled sample data and a 15-minute setup.

Household

Household Budget & Paycheck Planner

$24 $32 launch price

  • Paycheck Planner — 26 paycheck dates from your pay schedule; assign bills to checks; see what is left from each one
  • Monthly Budget — plan vs actual for 12 months, red when over
  • Savings Goals with progress bars and the monthly amount each needs
  • Debt Payoff — snowball or avalanche, months to payoff, interest saved
  • Shared Household Split — equal, by income or custom %, shows who owes whom
  • Transactions log with drop-downs · Dashboard
Buy now — $24 Try the free Paycheck Planner first Instant download · Excel + Google Sheets · also on Etsy
Small business · Freelancers · LLCs

Small Business Finance Starter

$29 $38 launch price

  • Transactions log — log sales and expenses or paste a bank export
  • Profit & Loss by month and category, with YTD
  • Budget vs Actual with variance
  • 13-Week Cash Flow forecast with a low-cash alert — the same tool we build for forecasting clients
  • Owner draws and tax set-asides handled correctly · Dashboard with charts
  • Covers monthly reporting and cash planning for a solo business under ~100 transactions a month; no invoicing, bank feeds or payroll
Buy now — $29 Bundle both for $39 (coming soon) Instant download · Excel + Google Sheets · also on Etsy

How it works

Fifteen minutes from download to a plan you can read.

1

Download, or make a copy

Buy here or on Etsy; the .xlsx downloads instantly and the Google Sheets copy link comes with it. Nothing to install.

2

Fill the blue cells

Settings first: pay date, days between checks, your categories. The Start Here tab walks you through the rest.

3

Read the red cells

A paycheck that comes up short, a month that is over budget, a week where cash dips below your buffer — the sheet turns red before it happens, not after.

Free

Start with the Mini Paycheck Budget

The Paycheck Planner tab on its own: set your next payday and how often you are paid, and it maps your next 26 checks. Free, in Google Sheets and Excel. Enter your email and the copy link is on the next page.

Get the free sheet
First pay dateJan 2
Days between paychecks14
Cash in checking today6,400
Paychecks planned26

Questions

The ones that come up most. The listing on Etsy has the full set.

Does it work in Google Sheets?

Yes. Upload the file to Drive, open with Sheets, then File → Save as Google Sheets. Charts, drop-downs and formulas carry over. A "Make a copy" link is included with every purchase. Only Sheets-compatible functions are used (SUMIFS, INDEX/MATCH, EDATE, NPER, COUNTIFS) — no macros, no add-ons.

I'm paid weekly / twice a month / monthly. Does the paycheck planner still work?

Set the days between paychecks in Settings (7, 14, 15 or 30) and your first pay date; the planner regenerates 26 dates.

Can I change the categories?

Yes, in Settings. Every drop-down and report updates to match.

Is my data private?

It is a file on your computer or in your Google Drive. Nothing is sent anywhere, and there is no account.

Does the business workbook replace QuickBooks?

For a solo business with under about 100 transactions a month, it covers monthly reporting and cash planning. It does not do invoicing, bank feeds or payroll. Your bookkeeper can use it: the P&L and Budget vs Actual export cleanly and the category list is editable to match a chart of accounts.

Buy here or on Etsy — what's the difference?

Same file, same price. Buying here delivers the download and the Google Sheets link instantly by email from us; Etsy delivers through your Etsy account. Pick whichever you trust more.

Refunds?

Digital downloads cannot be returned. If a file will not open, message us and we will fix it or refund it.

Who makes these

EagleEye Cash is the template side of EagleEye Forecasting, a New Jersey cash-flow forecasting practice run by Meredith, an accountant with 18 years in corporate and fund finance.

The paid service builds 13-week forecasts for businesses that have outgrown a spreadsheet. These templates are the same thinking, packaged for a household or a one-person business that hasn't — yet. If you get there, you know where to find us.

What you can expect

  • Formulas only; no hardcoded results hiding in the sheet
  • Every workbook recalculated and checked for zero formula errors before it ships
  • Sample data clearly labelled so you can see it working, then delete it
  • Plain-language Start Here tab in every file
  • Questions answered by the person who built it