HonestPocket planner worked example showing October paydays, bills, and the running cash balance; all amounts are fictional.

Paycheck & Bills Planner

$9.00

See how paydays and bills line up before your next paycheck. A practical spreadsheet and printable companion for planning your cash flow.

$9 once. One ZIP download with an XLSX workbook and a four-page PDF. No subscription.

SKU: HP-PAYCHECK-BILLS-001 Category:

Know what is due before payday

A monthly budget can look balanced while a bill arrives before the money does. This planner helps you put paydays and expenses in date order, spot a possible shortfall, and decide what to adjust.

What you get

  • Cash timeline: 30 rows for upcoming income and expenses, with a running balance and lowest-balance check.
  • Irregular bills: plan contributions toward up to 12 annual, seasonal, or occasional expenses.
  • Worked example: see how the spreadsheet fits together before entering your numbers.
  • Four-page printable PDF: a quick start, cash timeline, irregular-bills plan, and recurring-cost review.

How to use it

  1. Download and unzip the files after payment.
  2. Open the workbook in a spreadsheet app, or import it into Google Sheets. A computer is recommended for editing.
  3. Read the first tab, replace the example inputs, and enter upcoming dates in order.

The XLSX formulas were checked in Google Sheets. Native Microsoft Excel compatibility has not yet been verified. The PDF can be printed or viewed in a PDF reader.

Before you buy

This is a manual educational planning tool. It does not connect to your bank, move money, cancel subscriptions, or provide personalized financial advice. Results depend on the figures and dates you enter; savings and outcomes are not guaranteed. Keep your completed files private.

Prefer a free starting point? Visit our Money Clarity Reset.

Digital download refunds

We offer refunds if the supplied files are defective or you cannot access them. Contact us with your order details and a description of the problem. Do not send completed worksheets or sensitive financial information. We do not offer refunds for change of mind. This policy does not limit any rights you have under applicable law.