Paycheck Budget 4.0 - Google Sheets & Excel Spreadsheet (Purple)

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Know Exactly Where Your Money Stands, Every Paycheck

Plan bills, see your projected end balance, and spend with confidence until payday.

Most budgets assume you get paid once a month on the 1st. Real life does not work like that. You get paid weekly, every two weeks, twice a month, or on a schedule that is yours alone, and a monthly budget falls apart by week three.

What happens with a monthly budget:

• Rent is due on the 1st, but you do not get paid until the 5th.
• You run out of money ten days before your next paycheck.
• You can never work out how much you can actually spend before payday.
• Bills land all over the month with no connection to your pay dates.

Paycheck Budget 4.0 is built around how you actually get paid.

💵 See Your Projected End Balance Before You Spend

• Know how much is left by payday and whether you will have enough to last.
• See what you can safely spend on guilt-free extras this pay period.
• Watch your live running balance update as income and expenses are logged.
• Spot any category that goes over budget the moment it turns red.

⚙️ Set Up Recurring Transactions Once

• Enter bills, debt, subscriptions, savings and income one time in the Setup tab.
• They auto-fill every future paycheck, so there is no copying and pasting each month.
• Tick transactions off as paid in the Payments tab and every dashboard updates automatically.
• Budget and Actual columns fill themselves in.
• NEW: your debt payoff schedule now flows straight into the transaction log.

🏠 Works For Any Pay Schedule, Single Or Multiple Incomes

• Weekly, biweekly, semi-monthly, monthly, 4-weekly, or any custom schedule.
• Handles irregular paychecks, overtime and bonus months (extra paychecks are auto-detected).
• Tracks up to 10 income sources, so it works for singles, couples, shift workers and freelancers.
• Optional Partner 1 and Partner 2 dashboards plus a Distribution Dashboard for couples.

🎬 See Paycheck Budget 4.0 In Action

Want to see exactly how it works before you buy? Here is the full walkthrough, every tab and dashboard, so you know precisely what you are getting.

🧰 18 Tabs + Instructions In One Purple System

Hide any tab you do not use. Everything you need to manage your money between paychecks is here:

• ✅ Setup (recurring transactions, entered once)
• ✅ Payments (tick off what is paid, auto-populates everywhere)
• ✅ Manual Log (variable spending and irregular income)
• ✅ Accounts Tracker (up to 50 bank accounts with live balances)
• ✅ Calendar (daily, weekly and biweekly balance in a calendar view)
• ✅ Monthly Dashboard
• ✅ Paycheck Dashboard, 2 layout options (single paycheck, or all paychecks in the month on one tab)
• ✅ Annual Tracker (auto-populated from your paid transactions)
• ✅ Distribution Dashboard + Partner 1 and Partner 2 Dashboards
• ✅ Savings / Sinking Funds (up to 40 goals with built-in savings calculators)
• ✅ Debt Payoff + Debt Custom (up to 50 debts, 4 methods: Snowball, Avalanche, Custom, Credit Score Focus, with your debt-free date)
• ✅ Net Worth Tracker (asset balances update automatically each month)
• ✅ 50/30/20 Dashboard (customise to any needs vs wants ratio)
• ✅ Bonus tab (group categories and more)

What You Get Today:

• ✅ Complete Paycheck Budget 4.0 System ($67 value)
• ✅ Bill Calendar with daily balance ($37 value)
• ✅ Debt Payoff Planner with 4 methods ($27 value)
• ✅ Full voice-over video tutorial with timestamps ($47 value)
• ✅ Email support ($17 value)

Total Value: $195+. Your Price Today: $37 (over 80% off).

🎯 Why This Works When Monthly Budgets Fail

• It matches how you actually get paid. Bills are mapped to the paycheck that covers them, so nothing falls between pays.
• It removes the guesswork. Your true spendable amount for each period is shown up front.
• It absorbs surprises. Extra hours, bonuses and one-off costs slot in without breaking the plan.
• You own it forever. One-time purchase. Use it year after year in Google Sheets or Excel.

⚡ Get Started In Under 10 Minutes

1. Instant download. The link arrives in your email within seconds of checkout. You receive 2 files: a PDF with your Google Sheets link, and an Excel file.
2. Make a copy. One click to copy to your Google Sheets or open in Excel.
3. Follow the Instructions tab. Clear, step-by-step, plus the video tutorial.
4. Enter your numbers. The rest of the system auto-populates around them.

Currency: your purchase includes 3 currencies ($, £ and €). Need a different one? Message us after purchase and we will send it within 24 hours.

Compatibility: Google Sheets (free, you only need a Google account) and the latest version of Excel (Microsoft 365 and Excel 2024). Older Excel versions are not supported, and the Google Sheets version is always included as an alternative. Not compatible with Numbers, LibreOffice or other spreadsheet apps.

Built in soft purple so it stays easy on the eyes through the whole pay period.

🛡️ The "Actually Use It" Guarantee

Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.

All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.